PRIORITY DESTINATIONSSM  WORLD ELITE CREDIT CARD AGREEMENT 
(Private Banking) 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

11.24% 

This APR will vary with the market based on the U.S. Prime Rate. 

APR for Balance 
Transfers 

4.99% fixed APR for eight billing cycles beginning with the billing cycle on which the balance 
transfer appears. 

After that, the APR will be 11.24% for Private Banking World Elite Accounts. 

This APR 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 may be applied to your Credit Card account if you make a late payment. 

How Long Will the Penalty APR Apply?: This Penalty APR will apply until you make six 
consecutive Minimum Payments when due. 

Paying Interest 

Your due date is at least 25 days after the close of each billing cycle.  We will not charge you 
interest on Purchases if you pay your entire New Balance by the Payment Due Date each month. 
We will begin charging interest on Cash Advances on the transaction date. 

Minimum Interest 
Charge 

For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau 

Fees 

Annual Fee 

Transaction Fees 
•  Foreign Transaction 

•  Balance Transfer 

•  Cash Advance 

If you are charged interest, the charge will be no less than $1.00. 

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. 

None 

None 

Either $5 or 5% of the amount of each Balance Transfer, whichever is greater 

Either $10 or 5% of the amount of each Cash Advance, whichever is greater 

Penalty Fees 
•  Late Payment 
•  Returned Payment 

Up to $40 

Up to $40 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new Purchases).”  See 
the section of this Agreement titled “Computing Your Interest Charge” for more details. 

Loss of Balance Transfer APR: We may end your Balance Transfer APR and apply the Penalty APR if you make a late 
payment. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in this 
Agreement. 

SEE NEXT PAGE FOR IMPORTANT INFORMATION ABOUT YOUR ACCOUNT 

Destinations Prvt Bnkng WE 

Page 1 of 6 

Rev. Date 06/01/20 

 
 
 
 
 
                                                                 
 
 
 
                                                   
            
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
    
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
        
 
 
 
 
 
 
 
 
 
      
 
 
      
 
   
      
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
This  Private  Banking  Priority  Destinations  World  Elite  Credit  Card 
Agreement (“Agreement”) covers your Private Banking Priority Destinations 
World  Elite  Credit  Card account (the  “Credit  Card  account”)  you  have  with 
us.  By  requesting  or  accepting  a  Credit  Card  account,  you  agree  to  be 
bound  by  all  the  terms  of  this  Agreement.  In  this  Agreement,  the  words 
“you”  or  “your”  mean  everyone  who  has  requested  or  accepted  a  Credit 
Card  account  with  us.  The  words  “we,”  “us,”  “our,”  or  “Bank”  mean  First 
Hawaiian Bank. 
1.  Use.  Your  Private  Banking  World  Elite  Mastercard  (individually  or 
collectively  called  “Card”)  may  be  used  as  a  credit  card  for  purchases  of 
goods  or  services  from  participating  merchants  (“Purchases”)  or  to  get 
Cash  Advances  from  us  or  any  other  financial  institution  displaying  the 
“Mastercard” logo, or to purchase certain items such as traveler's cheques, 
foreign currency, money orders, wire transfers, lottery tickets, or (except as 
noted  below)  funds  to  be  used  for  wagers  or  gambling  (all  of  which  are 
collectively referred to as “Cash Advances”) up to your Revolve Line. 

You  can  also  obtain  a  Cash  Advance  by  writing  a  special  check 
(“Convenience  Check”),  which  accesses  the  available  Cash  Advance  limit 
on  your  Credit  Card  account.  Convenience  Checks  are  available  from  us 
upon  request,  or  we  may  periodically  provide  Convenience  Checks  as  a 
special  promotion. 
If  you  use  a  Convenience  Check  available  upon 
request, all of the terms of this Agreement applicable to Cash Advances will 
apply  to  the  Convenience  Check.  If  we  offer  a  special  promotion,  we  will 
explain  to  you  any  special  terms  of  the  use  of  the  Convenience  Checks. 
The Cash Advance from a Convenience Check will be posted to your Credit 
Card account when the Convenience Check reaches us. The Convenience 
Check fee described on page 1 of this Agreement will be imposed on each 
If  you  stop  payment  on  a  Convenience 
Convenience  Check  you  write. 
Check,  your  Credit  Card  account  will  be  charged  the  fee  shown  in  the 
section of this Agreement called “Other Fees." 

From  time  to  time  we  may  offer  a  special  balance  transfer  promotion, 
which  is  an  opportunity  to  make  a  Cash  Advance  to  pay  the  balance  on 
another loan you have, by transferring the other loan balance to your Credit 
Card account.  If we offer a balance transfer promotion, at that time we will 
explain to you the terms of the promotion.  Unless we tell you otherwise, all 
the  references  in  this  Agreement  to  balance  transfers  will  apply  to  any 
special balance transfer promotion offered 

Your  Card  may  also  be  used  in  certain  automated  terminals  to  gain 
access  to  your  First  Hawaiian  Bank  checking,  savings,  and  Credit  Card 
accounts. 

Your  Card  and  Credit  Card  account  may  be  used  only  for  valid  and 
lawful  purposes.  You  may  not  use  your  Card  (i)  to  make  Purchases  or 
obtain  Cash  Advances  for  any  illegal  transaction,  or  (ii)  for  any  internet  or 
online  gambling  transactions.  Transactions  for  online  or  internet  gambling 
will  not  be  approved.  If  you  use  your  Card  for  any  illegal  or  prohibited 
transaction, this Agreement also applies to such transaction and you agree 
to  pay  any  and  all  amounts  related  to  such  transaction  pursuant  to  the 
terms of this Agreement. We may, in our sole discretion, restrict the use of 
or  terminate  your  Card  if  we  notice  excessive  use  of  your  Card  or  other 
suspicious  activities  or  if  we  reasonably  believe  the  Card  is  or  has  been 
used for one or more illegal or prohibited transactions. 

We  have  no  responsibility  for  the  failure  of  any  machine,  merchant, 
financial  institution,  or  any  other  party  to  honor  your  Card.  If  you  use,  or 
allow  someone  else  to  use  the  Card  or  Credit  Card  account  for  any  other 
purpose,  you  will  be  responsible  for  such  use  and  may  be  required  to 
reimburse us for all amounts or expenses we pay as a result of such use. 
2.  Special  Priority  Destinations  Program.  The  Priority  Destinations 
Program  (the  "Program")  is  the  reward  benefits  program  established  and 
maintained  by  Bank  with  redemption  services  provided  by  a  third  party 
provider selected by Bank.  In addition to the other terms and conditions of 
this  Agreement,  the  terms  and  conditions  set  forth  in  the  Priority 
Destinations  World  Elite  Program  Agreement  provided  to  you  with  this 
Agreement shall also apply to your Card. 

Bank  reserves  the  right  to  terminate  the  Program  or  to  change  the 
terms and conditions of the Program at any time without prior notice.  This 
means  Bank  may  change,  among  other  things,  the  rules  regarding 
redemption  of  miles,  or  the  restrictions  on  the  use  of  rewards.  Bank  also 
has  the  right  to  add  or  delete  benefits  and  services  to  your  Credit  Card 
account at any time. 
3.  Revolve  Line.  We  will notify you of  your Revolve Line for each Credit 
Card account you have with us, which is the total amount of credit we agree 
to  extend  to  you  at  any  one  time.  Your  Revolve  Line  will  also  include  a 
separate  limit  for  Cash  Advances.  Your  Revolve  Line  and  Cash  Advance 
limit are listed on your monthly periodic statement.  Your available Revolve 
Line  is  the  amount  of  your  total  Revolve  Line  minus  the  sum  of your New 
Balance,  any  authorized  Purchases,  Cash  Advances  and  Balance 
Transfers  that  have  not  posted  to  your  Account,  and  any  payments  that 
have  not  cleared.  You  may  apply  to  increase  your  Revolve  Line,  and  we 
reserve the right to lower it without prior notice to you. 

You agree that you will not let your total charges, including Purchases, 
Cash Advances, FINANCE CHARGES (including but not limited to interest, 
Foreign  Transaction  Fees,  Cash  Advance,  Balance  Transfer  and 
Convenience  Check  Transaction  Fees),  late  charges,  membership  fees, 
and  other  fees  that  may  be due,  exceed your Revolve Line.  If you exceed 
your  Revolve  Line,  you  will be considered to have exceeded your Revolve 
Line  for  all  purposes  of  the  Agreement,  and  we  may  reduce  the  available 
Credit Limit/Revolve Line of any other Credit Card account you have with us 
until such time as the excess amount is paid. 

You  are  responsible  for  keeping  track  of  your  New  Balance  and  your 
available  Revolve  Line.  We  may  but  are  not  required  to  approve 
transactions  above  your  Revolve  Line  up  to  a  certain  percentage  of  your 
Revolve  Line  which  we  establish  from  time  to  time  for  you  based  on  our 
established evaluation criteria.  If we do approve those transactions, those 
transactions  will  not  increase  your  Revolve  Line.  You  are  responsible  for 
repaying all over-limit amounts and FINANCE CHARGES will be assessed 
on those amounts. 

For security reasons, we may limit the number or amount of Purchase, 
Cash  Advance  and/or  Convenience  Check  transactions  that  may  be 
accomplished  with  your  Card  or  Credit  Card  account.  We  may  also  limit 

authorizations to make Purchases or obtain Cash Advances if we consider 
it  necessary  to  verify  collection  of  Payments  received  on  your Credit Card 
account. 

World  Elite  Mastercard  Revolve  Line.  Amounts  over  your  Revolve 
Line  may  be  referred  to  as  a  non-revolving  line.  The  Revolve  Line  is  the 
maximum  amount  upon  which  you  may  defer  payment  on  your  account, 
subject to the minimum required payment that must always be paid on time. 
There  is  no  pre-set  spending  limit  for  your  account.  With  no  pre-set 
spending limit, you have the flexibility to make purchases in excess of your 
stated Revolve Line.  However, having a no pre-set spending limit does not 
mean unlimited spending.  Instead, each charge is evaluated based on the 
spending and payment patterns on the account, merchant type, information 
from  consumer  credit  reports  obtained  from  credit  bureaus  including  your 
experience  with  other  creditors,  and  our  understanding  of  your  resources. 
Without limiting the foregoing, we may also decline an authorization request 
for  any  transaction  at  any  time  as  described  in  the  section  of  this 
Agreement  called  "Authorizing  Transactions.”  We  may  also  request 
additional  information  from  you  at  any  time  to  evaluate  a  transaction 
request  or  your  use  of  the  account  in  general. 
In  addition,  all  of  the 
provisions  above  in  this  section  apply.  Your  World  Elite  Mastercard 
account  may  provide  additional  benefits  and  features  and  may  have 
additional charges that will be described in separate documentation for the 
World  Elite  Mastercard  program,  all  of  which  is  incorporated  by  this 
reference.  You authorize us to enroll you in benefits and programs that we 
may offer from time to time associated with your account, including without 
limitation  benefits  and  programs  that  we  offer  exclusively  to  holders  of 
World  Elite  Mastercard  accounts.  Accessing  some  of  the  benefits  and 
services under the World Elite Mastercard program may involve charges to 
your  account.  You  are  responsible  for  all  such  charges,  even  if  your 
account has been closed for any reason. 
4.  Temporary Reduction of Revolve Line. Merchants, such as car rental 
companies  and  hotels,  may  request  prior  credit  approval  from  us  for  an 
estimated amount of your Purchases, even if  you ultimately do not pay by 
credit.  If  our  approval  is  granted,  your  available  Revolve  Line  will 
temporarily  be  reduced  by  the  amount  authorized  by  us.  If  you  do  not 
ultimately use your Credit Card account to pay for your Purchases or if the 
actual amount of Purchases posted to your Credit Card account varies from 
the  estimated  amount  approved  by  us,  it  is  the  responsibility  of  the 
merchant, not us, to cancel the prior credit approval based on the estimated 
amount.  The  failure  of  the  merchant  to  cancel  a  prior  credit  approval  may 
result  in  a  temporary  reduction  of  your  available  Revolve  Line,  but will not 
increase the amount you owe us under this Agreement. 
5.  Agreement  to  Pay.  When  you  use  your  Card  or  Credit  Card  account, 
or  when  you  permit  anyone  to  use  it,  you  agree to pay the amount of any 
and  all  Purchases  or  Cash  Advances  (including  Purchases  and/or  Cash 
Advances  which  may  have  been  made  in  violation  of  this  Agreement), 
FINANCE  CHARGES  (including  but  not  limited  to  interest,  Foreign 
Transaction  Fees,  Cash  Advance,  Balance  Transfer  and  Convenience 
Check  Transaction  Fees),  late  charges,  membership  fees,  and  other  fees 
that may become due as  shown on the periodic  statement. If we accept a 
payment  from  you  in  excess  of  your  outstanding  balance,  your  available 
Revolve  Line  will  not  be  increased  by  the  amount  of  the  overpayment  nor 
will  we  be  required  to  authorize  transactions  for  an  amount  in  excess  of 
your Revolve Line. 
6.  Periodic  Statement.  Each  month  we  will  send  you  a  periodic 
statement  for  each  Credit  Card  account  you  have  with  us  covering  the 
previous billing period. We may not send you a statement if your balance is 
zero and there were no transactions during the billing period. The statement 
will  have  a  “Statement  Closing  Date”  and  a  “Payment  Due  Date,”  and  will 
show,  among  other  things,  your  “Previous  Balance,”  your  “New  Balance,” 
and  your  minimum  monthly  payment,  which  will  be  shown  as  “Minimum 
Payment  Due.”  The  periodic  statement  is  part  of  this  Agreement.  If  you 
choose to receive periodic statements electronically, the statements will be 
deemed  to  have  been  sent  to  you  when  they  are  first  made  available  for 
you to view. 
7.  Payment. You must make a payment by the “Payment Due Date.” You 
have two choices: You may pay the entire “New Balance” or you may pay in 
installments  by  paying  at  least  the  “Minimum  Payment Due.”  All  payments 
must be made in the lawful money of the United States of America.  When 
your payment is properly received, we will apply your Minimum Payment as 
permitted  by  law.  If  you  make  a  payment  in  excess  of  the  Minimum 
Payment,  the  excess  amount  will  be  applied  first  to  your  balance  with  the 
highest  ANNUAL  PERCENTAGE  RATE.  Any  remaining  amount  of  your 
excess  payment  will  be  applied  to  the  balance  with  the  next  highest 
ANNUAL  PERCENTAGE  RATE,  and  so  on.  Upon  confirmation  of 
collection,  we  will  add  any  Cash  Advances  or  Purchases  repaid  to  your 
available  Revolve  Line;  however,  in  the  event  of  payment  by  personal  or 
business  check,  we  may  delay  replenishing  your  available  Revolve  Line 
until your check clears.  This means that you may not have access to all or 
part  of  the  Revolve  Line  until  we  have  collected  the  funds  by  which  you 
have  made  payment  on the account. If payments  are  made by certified or 
cashier’s  check,  electronic  funds  transfer,  automated  clearing  house,  or 
other  means  that  provide  immediate  collected  funds,  we  may  waive  the 
right to delay restoration of the Revolve Line. 

Payments must be mailed to the BankCard Center address specified in 
your  statement.  Payments  must  reach  our  BankCard  Center  by  5:00  p.m. 
HST  during  our  regular  business  day  in  order  to  be  credited  on  that  date. 
Payments received after the cutoff time of 5:00 p.m. HST will be credited as 
of  the  following  business  day.  If  you  make  a  payment  in  person  at  our 
branches with the assistance of a branch employee prior to regular closing 
time for the branch, the payment will be credited as of the date received.  If 
you  make  a  payment  by  any  means  other  than  by  mail  to  our  BankCard 
Center  (including  payments  made  by  using  FHB  Online),  crediting  of  your 
payment may be delayed. 

From time to time, we may let you skip or reduce one or more monthly 
payments  during  a  year  and/or  we  may  temporarily  reduce  or  eliminate 
certain FINANCE CHARGES on all or a portion of your Credit Card account 
balance or offer you other special terms. If we do, we will advise you of the 
scope and duration of the applicable skip or promotional feature. When the 

Destinations Prvt Bnkng WE 

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Date 06/01/20 

 
 
 
 
 
                                                                 
 
 
 
                                                   
            
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
    
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
skip or promotional feature ends, your regular rates and all the terms of the 
Agreement will resume. 
8.  Minimum  Payment–Late  Charge.  At 
the 
“Minimum  Payment  Due”  must  be  received  by  us  by  the  “Payment  Due 
Date.”  If  it  is  not,  we  may  apply  the  late  charge  shown  on  page  1  (if 
permitted  by  law),  unless  such  charge  would  result  in  an  interest  charge 
greater  than  the  maximum  allowable  by  law,  in  which  case  we  will  only 
charge  the  maximum  allowable  rate.  The  “Minimum  Payment  Due”  will 
include the amount calculated by using the table shown below, and will also 
include any amount past due on your account.  Your statement will include 
the past due amounts as part of the “Minimum Payment Due.” 

the  amount  of 

least 

“New Balance” 

$  0.01 – $24.99 
$25.00 or more 

“Minimum Payment Due” 
Entire “New Balance” 
$25 or 3% of “New Balance”, 
whichever is greater 

9.  When  You  Must  Pay  to  Avoid  Interest  Charges.  There  may  be 
different  treatment  of  interest  charges  for  Purchases  and  Cash  Advances, 
even  though  they  are  computed  the  same  way.  You  may  avoid  paying  an 
interest  charge  on  Purchases  if  you  pay  the  entire  New  Balance  early 
enough  to  reach  us  by  the  Payment  Due  Date.  If  we  do  not  receive  the 
entire  New  Balance  by  the  Payment  Due  Date,  the  interest  charge  will  be 
charged on Purchases from the date of the transaction. Interest charges on 
Cash  Advances  begin  on  the  transaction  date  of  each  Cash Advance and 
will  be  assessed  even  if  your  entire  New  Balance  is  paid  by  the  Payment 
Due Date. 
10. Computing  Your  Interest  Charge.  We  figure  the  interest  charge  on 
your account by applying the periodic rate to the “Average Daily Balance” of 
Purchases  and  “Average  Daily  Balance”  of  Cash  Advances,  including 
current transactions. 

a.  Average  Daily  Balance.  To  get  the  “Average  Daily  Balance”  of 
Purchases, we take the beginning balance of your Credit Card account 
each  day,  add  any  new  Purchases,  and  subtract  any  Cash  Advances, 
payments,  or  other  credits  which  were  applied  to  Purchases,  unpaid 
FINANCE  CHARGES,  late  charges, membership fees, and other fees. 
If  you  paid  the  Purchases  balance  in  full  by  the  Payment  Due  Date  in 
the  previous  billing  cycle,  in  the  current  billing  cycle  we  will  credit 
payments  otherwise  applicable  to  Purchases  based  on  our  allocation 
method  as  of  the  first  day  of  the  current  billing  cycle.  These 
computations give us the Purchases daily balance. To get the “Average 
Daily Balance” of Cash Advances, we take the beginning balance each 
day,  add  any  new  Cash  Advances,  and  subtract  any  Purchases, 
payments,  or  other  credits  which  were  applied  to  Cash  Advances, 
unpaid  FINANCE  CHARGES,  late  charges,  membership  fees,  and 
other  fees.  This  gives  us  the  Cash  Advances  daily  balance.  Then  we 
add  up  all  of  the  Purchases  or  Cash  Advance  daily  balances  for  the 
billing period and divide each total by the number of days in the billing 
period. This gives us the “Average Daily Balances.” 
b.  Figuring the Interest Charge. We compute the interest charge by 
multiplying  these  Average  Daily  Balances  by  the  Daily  Periodic  Rate, 
and  then  we  multiply  the  result  by  the  number  of  days  in  the  billing 
period.  To  determine  the  Daily  Periodic  Rate,  we  divide  the  ANNUAL 
PERCENTAGE  RATE  in  effect  for  the  billing  period  by  365.  Your 
Credit  Card  account  is  made  on  a  Variable  Rate  basis  for  Purchases, 
and  the  ANNUAL  PERCENTAGE  RATE  and  Daily  Periodic  Rate  for 
Purchases are described in the section of this Agreement below called 
“Variable  Rate”  The  Daily  Periodic  Rate  for  Cash  Advances  is  a  Fixed 
Rate  of  .0493%,  which  is  equivalent  to  an  ANNUAL  PERCENTAGE 
RATE of 18.00%. 
c.  Variable Rate. The ANNUAL PERCENTAGE RATE for transfers of 
account balances you have with another creditor ("Balance Transfers") 
is  a  fixed  rate  as  shown  on  page  1  of  this  Agreement  and  will  be  in 
effect for eight billing cycles beginning with the billing cycle on which the 
balance 
transfer  appears.  The  Daily  Periodic  Rate  for  Balance 
Transfers  during  the  eight  billing  cycle  period  is  .0137%.  The  Daily 
Periodic  Rate  for  Balance  Transfers  after  the  eight  billing  cycle  period 
based  on  the  Current  Index  and  Rate  Spread  described  below  will  be 
.0308%  and  the  corresponding  ANNUAL  PERCENTAGE RATE will be 
11.24%.  The  ANNUAL  PERCENTAGE  RATE  for  Balance  Transfers 
after the eight billing cycle period will change to the current rate shown 
on  page  1  of  this  Agreement.  The  current  ANNUAL  PERCENTAGE 
RATE for Purchases  is  shown on page 1 of this Agreement. The Daily 
Periodic Rate for Purchases is .0308%. The Daily Periodic Rate and the 
corresponding  ANNUAL  PERCENTAGE  RATE  may  change  (by 
increasing or decreasing)  on the first day of each of your billing cycles 
that  begin  in  March,  June,  September,  and  December.  Each  date  on 
which  the  rate  of  interest  could  change  is  called  a  “Change  Date.” 
Changes  will  be  based  on  changes  in  the  “Index.”  The  Index  is  the 
highest U.S. Prime Rate published in the “Money Rates” section of The 
Wall Street Journal on the last business day of the calendar month prior 
to the month in which the Change Date occurs. The most recent Index 
is  called  the  “Current  Index.”  If the Index is no longer available, we will 
choose  a  new  Index  based  upon  comparable  information  and  will  give 
you notice of our choice. Your interest rate for Purchases is based on a 
variable rate equal to the sum of the Current Index plus a “Rate Spread” 
of 7.99 percentage points. (The Rate Spread is also called the Margin.) 
Immediately  before  each  Change  Date  we  will  determine  the  new 
interest  rate  for  Purchases  by  adding  the  Rate  Spread  to  the  Current 
Index.  For  example,  if  the  Current  Index  was  3.25%  and  the  Rate 
Spread 7.99, the ANNUAL PERCENTAGE RATE would be 11.24% and 
by  dividing  this  percentage  figure  by  365,  we  would  compute  a  Daily 
Periodic  Rate  of  .0308%.  The  new  interest  rate  for  Purchases  will 
become effective at the start of your first billing cycle after the Change 
Date.  The  ANNUAL  PERCENTAGE  RATE  will  not  exceed 
the 
maximum  rate  permitted  by  law.  The  effect  of  any  increase  in  the 
ANNUAL  PERCENTAGE  RATE  and  the  Daily  Periodic  Rate  for 
Purchases  would  be  to  increase  the  amount  of  interest  you  must  pay 
and thus increase your monthly payments. 
Introductory  and  Promotional  Rates.  At  our  discretion,  we  may 
d. 
offer you an introductory or promotional ANNUAL PERCENTAGE RATE 

limited.  Any 

for  your  Credit  Card  account.  For  example,  we  may  offer  you  an 
introductory  ANNUAL  PERCENTAGE  RATE  for  Purchases  when  you 
open  your  Credit  Card  account,  or  a  promotional  ANNUAL 
PERCENTAGE RATE for Balance Transfers. The time period for which 
the introductory or promotional ANNUAL PERCENTAGE RATE applies 
introductory  or  promotional  ANNUAL 
may  be 
PERCENTAGE RATE offer will be subject to the terms of the offer and 
this Agreement, including but not limited to the Penalty APR described 
in  the  section  of  this  Agreement  called  “Default”.  We  will  provide  you 
with  information  on  the  offer,  including the time period the introductory 
or  promotional  ANNUAL  PERCENTAGE  RATE  is  in  effect  in  the 
documents  that  accompany  your  Credit  Card  or  in  the  materials  we 
send you about the offer after you receive your Credit Card. 
e.  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 
dependent  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). 
Additional oral disclosures are available at 1-877-640-2337. 

11. Minimum  Interest  Charge. 
If  the  interest  charge  for  all  balances  on 
your  Credit  Card  account  is  less  than  $1.00,  we  will  charge  you  the 
Minimum  Interest  Charge  shown  on  page  1.  This  charge  is  in  lieu  of  any 
interest charge. 
12. Foreign Transaction Fee.  If you make a Purchase or Cash Advance 
in a foreign currency, it will be billed to you in U.S dollars.  You will be billed 
the foreign transaction fee for these Purchases and Cash Advances made 
in  foreign  currency  in  the  amount  shown  on  page  1.  This  fee,  which  is  a 
FINANCE CHARGE, is not a foreign currency conversion charge and is not 
based on our exchange cost. 
13. Other  Transaction  Fees.  We  will  charge  your  Credit  Card  account 
when appropriate the transaction fees shown on page 1, each of which are 
FINANCE CHARGES. Each of these fees will be added to your Credit Card 
balance when charged. 
14. Other Fees. You also agree to pay us the appropriate fees listed below 
and shown on page 1, which may be amended from time to time by us. You 
authorize us to charge your Credit Card account (or the account from which 
you  obtained  money  or  information  in  the  case  of  an  automated  terminal 
transaction)  for  fees  due  to  us.  We  reserve  the  right  to  waive  these  fees 
from time to time. If we incur special expenses on your Credit Card account 
due to a request made by you, we may also charge you for these expenses. 

Automated Teller Machine (ATM) Transaction Fees 
(For cards with ATM deposit account access) 

•  Deposit Account Withdrawal 

  Domestic 
 

International 

•  Balance Inquiry 
•  Checking Account Statement 

At a First 
Hawaiian ATM 

At a Network 
ATM 

N/C 
N/A 
N/C 
$1.50 

$3.00 
$5.00 
$1.00 
N/A 

Note:  N/C  =  No  Charge;  N/A  =  Not  Applicable;  Domestic  =  at  an  ATM in 
Canada, U.S. and its protectorates and territories, including Guam and the 
Commonwealth of the Northern Mariana Islands (CNMI). 

Payable at Time of Request 
•  Mastercard or Visa Temporary Replacement Card 
issued by Mastercard International or Visa Travel 
Service Center. Temporary card is good for 
approximately 1 month and cannot be used in ATMs 

  Domestic Fee: 
 

International Fee: 

•  Emergency Cash Advance issued by Mastercard 

International or Visa Travel Service Center is limited 
to $1,000 or your available credit limit/Revolve Line, 
whichever is less. 
•  Copy of Sales Draft 
•  Research Fee 
•  Statement Copy Fee 
•  Convenience Check Stop Payment Order/Return 

Convenience Check Fee 

$  95.00 
$125.00 
$  50.00 

$  5.00 
$  20.00/hour 
$  5.00 
$ 16.00 

•  Listing in Combined Warning Bulletin Per Region 

$ 10.00 

Payable at Time of Delivery 

•  Replacement Card issued by First Hawaiian Bank 
$ 20.00 
•  Returned Payment Check (due to insufficient funds,  Up to $35 

stop payment order on your check, etc.) 

15. Authorizing  Transactions.  We  reserve  the  right  to  decline  a 
transaction  on  your  account  for  any  reason  including  but  not  limited  to 
operational  considerations,  your  account  being  in  default,  or  we  suspect 
fraudulent  or  unlawful  activity.  We  are  not  responsible  for  any  losses 
incurred if  a transaction on your account is  declined for any reason, either 
by us or a third party, even if you have sufficient credit available. 
16. Default.  We  may  declare  the  entire  balance  for  all  Credit  Card 
accounts due and payable at once with or without notice or demand if any 
of these events (a “Default”) happens: 

a. 

If you miss a payment under this Agreement or any other obligation 
you owe us; or 
If you violate any terms of this Agreement. 

b. 
If you are in Default, we may terminate your Credit Card account, make 
no  more  additional  loans  or  advances,  and  require  you  to  immediately 
repay  the  entire  unpaid  balance  of  all  amounts  due  on  your  Credit  Card 

Destinations Prvt Bnkng WE 

Page 3 of 6 

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account,  including  but  not  limited  to  all  loan  amounts,  late  charges  and 
other  charges  assessed  but  not  paid,  and  all  of  the  FINANCE  CHARGES 
accrued  but  not  paid.  If  we  terminate  your  Credit  Card  account,  your 
obligation to repay the amounts you already owe us would continue. 

At our option, we may also take action short of terminating your Credit 
Card  account.  If your required Minimum  Payment (shown on your periodic 
statement as “Minimum Payment Due”) is not received within 60 days of the 
payment  due  date,  we may increase your ANNUAL PERCENTAGE RATE 
for Purchases and Cash Advances and any applicable promotional rates to 
a  .0493%  Daily  Periodic  Rate  and  an  ANNUAL  PERCENTAGE  RATE 
(“Penalty APR”) of 18.00% fixed for the entire outstanding balance. We will 
send you advance written notice that your ANNUAL PERCENTAGE RATE 
will  be  increasing.  Your  payments  under  this  Agreement,  including  the 
amount of the FINANCE CHARGE, will increase as a result of the increase 
in  your  Daily  Periodic  Rate  and  ANNUAL  PERCENTAGE  RATE,  and  any 
such  increase  in  your  Daily  Periodic  Rate  and  ANNUAL  PERCENTAGE 
RATE will be shown on your periodic statement. We will reinstate your Daily 
Periodic  Rate  and  ANNUAL  PERCENTAGE  RATE  to  the  rate  set  forth  in 
this  Agreement  once  you  have  made  six  consecutive  Minimum  Payments 
on  or  before  the  due  date,  starting  with  the  first  billing  cycle  after  the 
Penalty APR is  imposed. If we take such lesser action initially, we reserve 
the right to terminate your Credit Card account and accelerate all amounts 
due under this Agreement regardless of whether any additional events have 
occurred that would permit termination and acceleration. 

If you have a World Elite Mastercard and fail to comply with any of the 
special  terms  in  this  Agreement  applicable  to  the  World  Elite  Mastercard 
account, you will be in Default under this Agreement and we will have all of 
the rights set forth in this Agreement as a result of the Default.  In addition 
to  all  of  those  rights,  we  may  in  our  sole  and  absolute  discretion  convert 
your  World  Elite  Mastercard  account  to  any  other  type  of  account  that  we 
may offer.  Any such conversion may cause the elimination of the benefits 
associated  with  the  World  Elite  Mastercard  account  without  prior  notice  to 
you. 
17. Automated Terminal Services Involving Your Checking or Savings 
Account.  (Some  of  these  services  are  only  available  if  your  Credit  Card 
account is linked to your checking or savings account with us.) 

a.  Automated  Terminals.  You  may  use  your  Card  in  the  following 
automated terminals: 

i.  Our  First  Hawaiian  automated  teller  machines  (“First  Hawaiian 

ATM”). 

ii.  Any  other  automated  teller  machine  (including  any  ATM  we 
may own besides First Hawaiian ATM) that is participating in a 
network and accepts our Card (“Network ATM”) and 

iii.  Any  point-of-sale 

terminal 

that  accepts  our  Card  (“POS 

terminal”). 

b.  Services Available at an Automated Terminal. 

i.  You may use your Card at a First Hawaiian ATM to: 

•  Withdraw cash from your checking or savings account. 
•  Make deposits to your checking or savings account. 
•  Move 

funds  between  your  checking  and  savings 

accounts. 

•  Get  your  checking,  savings,  or  Credit  Card  account 
balances.  These  balances  may  not  include  some 
transactions recently made in your account. 

•  Move  funds  from  your  Credit  Card  account  to  your 

checking account. 

•  Get a Cash Advance from your Credit Card account. 
•  Get  an 

interim  statement  printout  of  all  posted 
transactions  on  your  checking  account  since  the  last 
regular  statement  period  up  to  the  previous  business 
day. 

ii.  You may use your Card at any Network ATM to (some of these 

services may not be available at all Network ATMs): 

•  Withdraw cash from your checking or savings account. 
•  Get a Cash Advance from your Credit Card account. 
•  Get  your  checking,  savings,  or  Credit  Card  account 
balances.  These  balances  may  not  include  some 
transactions recently made in your account. 
iii.  You may use your Card at a POS terminal to purchase certain 
merchandise.  The  amount  of  your  purchase  will  automatically 
be charged to your Credit Card account as a Purchase. 

c.  Limits of Automated Terminal Services. 

i.  Withdrawals and Cash Advances. You may withdraw cash or 
get  a  Cash  Advance  from  a  First  Hawaiian  ATM  up  to  an 
aggregate amount  of  $2,000 each calendar day, provided that 
this amount does not exceed your available account balance or 
Revolve  Line.  This  amount  may  be  less  for  cash  withdrawals 
and Cash Advances from Network ATMs. 

You  authorize  us  to  charge  any  withdrawal  by  use  of  your 
Card  to  your  checking  account  or  savings  account  as  though 
you  had  specifically  signed  a  withdrawal  authorization.  If  there 
are insufficient funds in an account to cover such a withdrawal, 
you  agree  that  we  may  treat  the  amount  of  such  withdrawal 
either  as  a  Cash  Advance  or  as  an  overdraft  that  you  will  be 
obligated to pay us on demand. 

ii.  Deposits. You may deposit up to $50,000 per transaction using 
a  First  Hawaiian  ATM.  All  deposits  made  with  your  Card  and 
placed in a First Hawaiian ATM are subject to receipt by us on 
opening  the  First  Hawaiian  ATM  and  verification  of  the  items 
and the amounts. 

iii.  Moving  Funds.  You  may  move up to $50,000 per transaction 
between  your  checking  account  and  savings  account  or  from 
your  Credit  Card  account  to  your  checking  account  using  a 
First Hawaiian ATM. 

d.  Fees for Using Automated Terminal Services. The fees for using 
certain automated terminal services are disclosed in the section of this 
Agreement called “Other Fees.” 
e.  Card  and  Secret  Code  Use.  You  are  responsible 

for  all 

transactions  in  which  you  use  your  Card  in  an  automated  terminal,  or 
the  use  of  the  Card  by  anyone  else  who  uses  it  with  your  permission. 
Security in use of the Card is provided by the secret code, which we will 
provide  you,  and  the  magnetically  encoded  stripe  on  the  Card.  Please 
keep the Card safe and also protect the secret code. Use the Card and 
the  secret  code  as  instructed  at  all  times.  Please  notify  us  of  any 
mechanical or operating failure in connection with the use of your Card. 
Do  not  permit  anyone  else  to  use  your  Card  and  do  not  disclose  your 
secret code or record it on the Card. The Card remains the property of 
the Bank  and can be revoked and repossessed at any time. You must 
return it to us when asked. 
f.  Time  of  Transaction.  All  transactions  are  subject  to  the  time 
necessary for us to process them. Any transaction made on a holiday or 
after  regular  banking  hours  may  be  held  by  us  until  the  next  business 
day. Any transaction involving an account or matter located at any other 
office  of  the  Bank  is  subject  to  receipt  at  the  other  office and the time 
necessary to process it. 
g.  Documentation of Transfers. 

i.  Terminal  Transfers.  You  can  get  a  receipt  at  the  time  you 
make  any  transfer  at  a  First  Hawaiian  ATM, Network ATM, or 
POS terminal. 

ii.  Periodic Statements. If you have a checking account, you will 
get  a  monthly  checking  account  statement.  If  you  have 
arranged  for  electronic  access  to  your  savings  account,  you 
will  get  a  quarterly  savings  account  statement.  However,  if 
there  are  any  transfers  in  a  particular  month,  you  will  get  a 
savings statement that month, as well. 

In  Case  of  Errors  or  Questions  About  Your  Electronic 
h. 
Transfers  Involving  Your  Checking  or  Savings  Account.  Call  or 
write to us at the telephone number and address stated in the section of 
this  Agreement  called  “Where  to  Call  or  Write”  as  soon  as  you  can  if 
you  think  your  statement  or  receipt  is  wrong  or  if  you  need  more 
information about a transfer listed on the statement or receipt. We must 
hear  from  you  no  later  than  60  days  after  we  sent  you  the  first 
statement on which the problem  or error appeared. When reporting an 
error or requesting more information: 

i.  Tell us your name and account number. 
ii.  Describe the error or the transfer you are unsure about, and 

explain as clearly as you can why you believe it is an error or 
why you need more information. 

iii.  Tell us the dollar amount of the suspected error. 
If you tell us orally, we may require that you send us your complaint 
or  question  in  writing  within  10  business  days.  We  will  determine 
whether  an  error  occurred  within  10  business  days  after  we hear from 
you and will correct any error promptly. 

We  will  tell  you  the  results  of  our  investigation  within  10  business 
days  after  we  hear  from  you  and  will  correct  any  error  promptly.  If  we 
need  more  time,  however,  we  may  take  up  to  45  days  to  investigate 
your complaint or question. If we decide to do this, we will re-credit your 
account within 10 business days for the amount you think is in error, so 
that  you  will  have  the  use  of  the  money  during  the  time  it  takes  us  to 
complete  our  investigation.  If  we  ask  you  to  put  your  complaint  or 
question in writing and we do not receive it within 10 business days, we 
may not re-credit your account. 

We  will  tell  you  the  results  within  three  business  days  after 
completing  our  investigation.  If  we  determine  that  there  was  no  error, 
we  will  send  you  a  written  explanation.  You  may  ask  for  copies  of 
documents that we used in our investigation. 
i.  Our Liability for Failure to Make Transfers. If we do not properly 
complete  a  transfer  to  or  from  your  account  on  time  or  in  the  correct 
amount according to our agreement with you, we will be liable for your 
losses  or  damages.  However,  there  are  some  exceptions.  We  will  not 
be liable, for instance: 

i. 

ii. 

iii. 

iv. 

v. 

vi. 

If, through no fault of ours, you do not have enough money in 
your account to make the transfer; 
If the transfer would go over the credit limit on your overdraft 
line; 
If the automated terminal where you are making the transfer 
does not have enough cash; 
If the automated terminal was not working properly and you 
knew about the breakdown when you started the transfer; 
If circumstances beyond our control (such as fire or flood) 
prevent the transfer, despite reasonable precautions we have 
taken; or 
If your account does not contain enough money because we 
have placed a hold on some items or the account is subject to 
legal process. 

vii.  There may be other exceptions. 

j.  Disclosing  Account  Information  to  Third  Parties.  We  may 
disclose information to third parties about your account or the transfers 
you make: 

i.  Where it is necessary for completing transfers; 
ii. 

In order to verify the existence and condition of your account for 
a third party, such as a credit bureau or merchant; 
In order to comply with government agency or court orders; or 
If you give us your written permission. 

iii. 
iv. 

18. ATM  Safety.  It  is  important  to  be  aware  of  your  surroundings  when 
using an ATM, especially at night. When you are using an ATM, you should 
secure any cash you withdraw before leaving the ATM. If you need to use 
an ATM at night, consider taking someone you know with you, and only use 
an  ATM  that  is  well-lit  and  unobstructed  from  view.  If  anything  appears  to 
be  suspicious,  do  not  use  the  ATM.  Always  call  911  in  the  event  of  an 
emergency  or  to report any suspicious activity.  If you have any questions 
or comments about the safety of any of our ATMs, please call us on Oahu 
at (808) 844-4444 or 1-888-844-4444 from the neighbor islands, Guam, the 
CNMI or Continental U.S. 
19. Lost or Stolen Card; Your Liability for Unauthorized Use. Tell us at 
once  if  you  believe  your  Card  has  been  lost  or  stolen.  Telephoning  is  the 
best way of keeping your possible losses down. 

Destinations Prvt Bnkng WE 

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
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
a.  Unauthorized  Use  as  Credit  Card.  You  may  be  liable  for  the 
unauthorized use of your Card as a credit card. You will not be liable for 
unauthorized  use  of  your  Card  as  a  credit  card  that  occurs  after  you 
notify  us  at  the  telephone  number  or  address  stated  in  the  section  of 
this  Agreement  called  “Where  to  Call  or  Write,”  orally  or  in  writing,  of 
loss,  theft,  or  possible  unauthorized  use.  In  any  case,  your  liability  for 
unauthorized use of your Card as a credit card will not exceed $50. 
b.  Unauthorized Use in Automated Terminals. 

i. 

ii. 

iii. 

If you tell us within two business days, you can lose no more 
than $50 if someone used your Card at an automated terminal 
without your permission. 
If you do not tell us within two business days after you learn of 
the loss or theft of your Card and we can prove that if you had 
told us, we could have stopped someone from using your Card 
at an automated terminal without your permission, you could 
lose as much as $500. 
If you do not notify us at all, you could lose all the money in 
your checking and savings accounts plus your maximum 
overdraft line of credit. 

v. 

iv.  Also, if your statement shows transfers that you did not make, 
tell us at once. If you do not tell us within 60 days after the 
statement was mailed to you, you may not get back any money 
you lost after the 60 days if we can prove that we could have 
stopped someone from taking the money if you had told us in 
time. 
If a good reason (such as a long trip or a hospital stay) kept 
you from telling us, we will extend the time periods. 
20. Where  to  Call  or  Write.  If  you  believe  your  Card  has  been  lost  or 
stolen  or  that  someone  has  transferred  or  may  transfer  money  from  your 
account or otherwise use your Card or Credit Card account without your 
permission,  call:  (808)  847-4444  on  Oahu;  Neighbor  Islands,  Guam, 
Commonwealth of the Northern Mariana Islands (CNMI), or Continental U.S 
to:  First  Hawaiian  Bank,  BankCard 
call  1-800-342-2778  or  write 
Department, P.O. Box 1959, Honolulu, Hawaii 96805. 
21. Our  Business  Days.  Our  business  days  are  Monday  through  Friday, 
except for bank holidays. 
22.  Credit Investigation and Disclosure. You authorize us, both now and 
in  the  future,  to  check  your  credit  and  employment  history  and  to  release 
information  about  our  credit  experience  with  you  in  response  to  legitimate 
credit  inquiries.  If  you  believe  that  we  have  incorrect  information  or  have 
reported inaccurate information about you to a credit bureau, please call us 
at (808) 847-4444 (Oahu) or call toll-free at 1-800-342-2778. 
23. Security Interest. We have no security for any amounts which become 
due  under  this  Agreement  unless  you  have  given  us  a  specific  security 
interest  in  connection  with  the  Agreement,  which  is  described  on  the 
Security Agreement Supplement to this Agreement. 
24. Collection.  You  promise  to  pay  all  collection  costs,  including,  without 
limitation, mailing and delivery charges, reasonable lawyers’ fees and court 
costs at trial and on appeal, all as permitted by law. 
25. If There are More Than One of You. Each of you individually, or all of 
you  together,  will  be  liable  under  this  Agreement.  We  may  collect  from  or 
sue any one of you, or make any settlements or extensions with any one of 
you,  without  giving  up  our  rights  against  the other(s). You understand that 
any  one  of  you  can  make  Purchases  or  get  Cash  Advances  under  this 
Agreement which will be binding upon all of you. 

26. No  Waiver  of  Rights.  If  we  choose  to  waive  any  of  the  terms  or 
conditions  of  this  Agreement  on  a  case-by-case  basis,  such  as  by  not 
declaring the entire balance due when the minimum monthly payment has 
not been made on time, it does not mean that we have waived, or given up, 
our right to exercise any of our rights or remedies under this Agreement in 
the future. We are not required to use any particular kind of demand or 
notice in order to collect amounts due to us under this Agreement. No 
indulgence  or  acceptance  by  us  of  delinquent  or  partial  payments 
constitutes a waiver of our rights or of any provision of this Agreement. No 
waiver  of  any  existing  default  shall  be  deemed  to  waive  any  subsequent 
default. 
27. Change in Terms and Relationship. We can change, add to, delete or 
otherwise  modify  the  terms  of  this  Agreement  at  any  time  in  any  way 
permitted  by  law.  Except  as  otherwise  provided  herein,  we  will  send  you 
advance notice of any change to this Agreement.  If the change affects use 
of  your  Card  in an automated terminal,  we will give you  advance notice of 
the  change  unless  the  change  has  to  be  made  immediately  for  security 
reasons. A notice of change we send you will describe any right you have to 
opt out of a particular change, if any, and will describe whether a particular 
change affects your outstanding balance. We do not have to send a notice 
of  the  change  if  it  favors  you,  such  as  by  reducing  rates,  increasing  the 
maximum Revolve Line, etc. 

You are provided special terms that are offered to you conditional upon 
maintaining your Private Banking relationship. If you cease to be a Private 
Banking customer, we may, in our sole discretion, convert your account to 
any other type of non-Private Banking account that we may offer. Any such 
conversion may cause the elimination of certain features and benefits. We 
will provide you with notice of this change. 
28. Canceling  this  Agreement.  We  have  the  right  to  cancel  this 
Agreement at any time by sending a notice to any one of you in writing. You 
also have the same right to cancel this Agreement at any time by sending 
us  a  notice  in  writing.  If  this  Agreement  is  canceled  by  you  or  us,  your 
obligation  to  repay  amounts  you  already  owe  under  this  Agreement  would 
continue, and you must return your Card to us. 
29. Other Agreements. Use of your Card is subject to the terms of existing 
regulations  governing  deposit  accounts  and  other  agreements  and 
disclosures for your checking, savings, and Credit Card accounts, and any 
future changes. 
30. Governing  Law.  This  Agreement  will  be  governed  by  the  laws  of  the 
State  of  Hawaii,  and,  as  applicable,  federal  law,  regardless  of  where  the 
Purchases  or  Cash  Advances  are  made,  and  you  agree  that  any  legal 
action  that  may  be  filed  by  you  elsewhere  will  be  transferred  to  an 
appropriate court in Hawaii if we decide that we want it to be transferred. 
31. Monitoring/Recording  Telephone  Calls.  Our  supervisory  personnel 
may  listen  to  and  record  your  telephone  calls  to  us  for  the  purpose  of 
monitoring and improving the quality of service you receive. 
32. Emergency Situation.  In the event of an emergency situation beyond 
our  reasonable  control,  such  as  an  "act  of  God,"  war,  fire,  or  natural 
disaster,  services  involving  your  account  could  be  available  only  in  a 
modified or reduced form or could be entirely unavailable. Unless expressly 
prohibited by applicable law, you agree that we will have no liability to you 
for  such  modification,  reduction,  or  unavailability of services caused by an 
emergency situation. 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

YOUR BILLING RIGHTS: 

Keep This Notice for Future Use 

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: 

First Hawaiian Bank 
P.O. Box 1959 
Honolulu, Hawaii 96805 

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 will also 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 to you why we believe the bill is 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/revolve 

line. 

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. 

Destinations Prvt Bnkng WE 

Page 5 of 6 

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If all of the criteria above are met and you are still dissatisfied with the 
purchase, contact us in writing at: 

First Hawaiian Bank  P.O. Box 1959 
Honolulu, Hawaii 96805 

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. 

Destinations Private Banking 

Page 6 of 6 

Rev. Date 06/01/20