HAWAII STATE FEDERAL CREDIT UNION 
                   SIGNATURE CASH REWARDS CREDIT CARD, 
                     PLATINUM REWARDS CREDIT CARD AND 
             PLATINUM SHARE-SECURED REWARDS CREDIT CARD 
                                    AGREEMENT 
                      Effective for Credit Card Accounts Opened on or after March 1, 2017 
      
      Please refer to the Signature Cash Rewards Credit Card Account Disclosure, Platinum 
      Rewards Credit Card Account Disclosure and the Platinum Share- Secured Rewards Credit 
      Card Account Disclosure, as applicable, which is incorporated by reference. 
      
      This is an agreement between you and us, Hawaii State Federal Credit Union, covering your 
      Signature Cash Rewards Credit Card, Platinum Rewards Credit Card and Platinum Share-Secured 
      Rewards Credit Card Account with us. In this Agreement, �we�, �us,� �our,� and �HSFCU� refer to Hawaii 
      State Federal Credit Union. �Account� means your Signature Cash Rewards Credit Card, Platinum 
      Rewards Credit Card or Platinum Share-Secured Rewards Credit Card Account with us. �Card� 
      means the Credit Card issued for the Account and any duplicates, renewals or substitutions that are 
      issued for the Card. 
      
      1.   RESPONSIBILITY: 
           By applying for, accepting, signing, or authorizing others to use your Card, an Access 
           Device (such as a Convenience Check), or Account, you, and all joint Account holders, are 
           bound by this Agreement and agree to be liable for all Purchases, Cash Advances, Balance 
           Transfers, Fees, Charges and other transactions arising from the use of your Account, Card 
           or Access Device. You must be a member in good standing to maintain the Account. 
      
           You are responsible for all transactions, Fees and Charges made or incurred by yourself, 
           any joint Account holder, any authorized user, and anyone else to whom you, a joint 
           Account holder, or an authorized user allows access to the Account, Card or Access 
           Device. This responsibility continues until the Card is recovered. You cannot disclaim this 
           responsibility by notifying us, but if you so request we will close your Account for new 
           Purchases, Cash Advances and Balance Transfers, and you will be required to surrender all 
           Cards and Access Devices. Your obligation to pay the entire Account Balance continues 
           regardless of any agreement, divorce decree or other court judgment of which we are not a 
           party that directs someone else to pay the Account Balance. 
      
           If this is a joint Account, you agree to be bound by this Agreement and to be liable jointly 
           and severally, even if the Account is canceled or terminated. Any one of you may cancel the 
           Account and the termination will be effective as to all of you. Also, notice sent to any one of 
           you will be considered notice to all of you. We may collect from or take legal action against 
           one of you without giving up any of our rights against the others on the Account. This 
           Agreement also is binding upon your heirs and personal representatives in probate and 
           upon anyone to whom you assign your assets or who succeeds to them in any other way. 
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      2.   CREDIT INFORMATION: 
           You authorize us to verify all your credit information when opening, renewing or reviewing 
           your Account. You also authorize us to receive and provide credit information about you, now 
           and in the future. 
      
      3.   CREDIT LIMIT: 
           We have established a line of credit for you. You will be advised of the credit limit applicable 
           to your Account. Your credit limit also will appear on each of your Periodic Statements. You 
           may increase your credit limit only by written application to us. You agree not to allow your 
           outstanding Balance to exceed your approved credit limit. If you do exceed your credit limit, 
           we may not honor your transactions. We do not give up any of our rights under this 
           Agreement and we may require that you immediately pay any amount over your credit limit. 
           We also may change your credit limit or suspend or terminate your credit privileges at any 
           time without prior notice. However, if we change your credit limit or suspend or terminate 
           your credit privileges, we will give you notice separately or on your next Periodic Statement. 
      
      4.   CASH ADVANCES, ATMs, PINs, ACCESS DEVICES, ACCESS CODES: 
           You can use your Card to obtain Cash Advances at any financial institution or Automated 
           Teller Machine (ATM) that displays the Visa logo. Cash Advances are limited to the lower of 
           the dollar amount allowed by the financial institution or ATM network or your credit limit. 
      
           Any Personal Identification Number (PIN) or Access Code issued to you is confidential and 
           serves as a substitute for your Cardholder signature. You should not disclose your PIN or 
           Access Code to anyone, nor record your PIN or Access Code on your Card or Access 
           Device, nor keep your PIN or Access Code with your Card or Access Device. You are 
           responsible for their safekeeping. We may at any time suspend or cancel your access to 
           ATMs and Access Devices without cause or prior notice. 
      
           If you use an ATM not owned by us, you may be charged a fee by an ATM operator or any 
           ATM network used to complete the transfer (and you may be charged a fee for a balance 
           inquiry) even if you do not complete a funds transfer. The fee will be debited from your 
           Account if you elect to complete the transaction or continue with the balance inquiry. 
      
           Additional information on Access Devices such as Convenience Checks may be provided to 
           you with the Access Device. Please call us if you have any questions regarding their use. 
           Convenience Checks that are paid by us will not be returned to you. 
      
      5.   FINANCE CHARGES: 
      
           a.   General Information; Annual Percentage Rates (APRs). 
      
           We will not charge you interest on your Purchases if you pay your entire balance by your 
           Payment Due Date each month and do not use your Account for Cash Advances, Balance 
           Transfers or Convenience Checks prior to our receipt of payment. Your Payment Due Date 
           is at least twenty-five days (25) after the close of your statement cycle. 
      
           Otherwise, the New Balance and subsequent Purchases will be subject to interest from 
           the posting date (which is the date that our credit card service processor posts the 
           transaction to your Account). There is no grace period for Cash Advances or Balance 
           Transfers. We will begin charging interest on Cash Advances, and Balance Transfers on
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           the posting date. Convenience Checks, when available, will be treated like Balance 
           Transfers for purposes of determining the interest charge. 
      
           We calculate interest by applying the monthly periodic rates to the applicable Average 
           Daily Balances of your Account, including current transactions. 
      
           Periodic rates and Annual Percentage Rates (APRs) may increase or decrease every 
           statement cycle, and are based on an index plus a margin. The margins, initial APRs and 
           initial periodic rates are set forth in the Account Opening Disclosure for your Account. Should 
           you choose not to accept the margins and APRs that apply to your Account, you may cancel 
           your application prior to using the Account. 
      
           For example, if the index is 5.00%, and if the margin applicable to your account is 8.40%, 
           then we add the index and margin together to calculate the applicable APR: 
            
                                     5.00% + 8.40% = 13.40% 
      
           The index is the U.S. Prime Rate published in the Wall Street Journal. Please refer to the 
           Account Opening Disclosure for information on how the APR will vary. 
      
           The APRs applicable for a statement cycle will be set forth in the periodic statement for that 
           statement cycle. We will not charge an APR greater than the maximum that we are permitted 
           to charge by law (currently 18.0%). 
      
           An increase in the APRs and the monthly periodic rates may result in higher interest charges 
           and higher minimum payments, while a decrease in those rates may result in lower interest 
           charges and lower minimum payments, assuming the same principal balance and number of 
           days in the statement cycle. We separate (i) Purchases, (ii) Cash Advances, and (iii) 
           Balance Transfers into three categories for purposes of determining the interest charges. We 
           figure the interest charge for Purchases on your Account by applying the periodic rate to the 
           �Average Daily Balance� of Purchases (including current Purchases). To get the �Average 
           Daily Balance� of Purchases, we take the beginning Purchase Balance of your Account each 
           day, add any new Purchases, and subtract any unpaid interest or other finance charges and 
           any payments or credits applied to your Purchase Balance. This gives us the Daily Balance 
           for Purchases.  Then, we add up all the Purchase Daily Balances for the statement cycle 
           and divide the total by the number of days in the statement cycle. This gives us the �Average 
           Daily Balance� for Purchases. We do the same for the other two categories, Cash Advances 
           and Balance Transfers. Convenience Checks are treated as Balance Transfers for purposes 
           of determining the interest charge. 
      
           b.   Introductory, Promotional and Special APRs. 
      
           From time to time, we may offer an Introductory, Promotional or Special APRs. These 
           Introductory, Promotional or Special APRs will be subject to the terms and conditions as 
           outlined in the disclosures in effect during the Introductory, Promotional or Special period. 
           Any Introductory, Promotional or Special APR that we may offer will be separately identified 
           on your Periodic Statement as well as the Balance for which the APR applies. The separate 
           Balance and the related interest charge will be calculated as described above. Upon 
           expiration of the Introductory, Promotional or Special APR, the APR will be adjusted to the 
           standard APR for the applicable category and will apply to the existing Balance upon 
           termination of the Introductory, Promotional or Special APR. 
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           Balance Transfers and Convenience Checks payable to any HSFCU account (e.g., loans 
           and credit cards issued by HSFCU), any Account owner, Account joint owner, or Account 
           Card holder, or to obtain any Cash Advance do not qualify for any Introductory, 
           Promotional or Special APRs. 
      
      6.   OTHER CHARGES: 
           Please see the Account Opening Disclosure and HSFCU Fee Schedule for other charges 
           that will be added to your Account, as applicable (such as transaction fees, penalty fees, 
           Card replacement fees, return payments fees, research fees, etc.). 
      
      7.   PERIODIC STATEMENTS: 
           You will receive a Periodic Statement for each billing period in which your Account has any 
           outstanding Total New Balance, Finance Charge or other activity. Your Periodic Statement 
           will show the Minimum Payment amount and the Due Date for the payment. Your Periodic 
           Statement also will identify the merchant, financial institution or ATM where you made a 
           transaction. Your Periodic Statement will be your record of receipt from us for payments 
           made to your Account. You should retain your copy of the transaction receipt provided at the 
           time of a transaction to verify your Periodic Statement. 
      
      8.   PAYMENTS: 
           For each billing period, you must pay at least the Minimum Payment on or before the 
           Payment Due Date (which is at least twenty-five (25) days after your Periodic Statement 
           closing date). Your Minimum Payment is the total of your Current Payment Due, plus any 
           past due payments and any amount over your credit limit. You agree to pay the Minimum 
           Payment on or before the Due Date shown on your Periodic Statement. Your Current 
           Payment Due will be determined by the following schedule: 
      
                        New Balance         Current Payment Due 
                        Under $15           Entire Amount 
                        $15 to $500         $15 
                        Over $500           3% of the New Balance 
      
           You may pay more frequently and more than the Minimum Payment Due, but only 
           payments made after the Periodic Statement Date will be credited to the Minimum 
           Payment Due for that Periodic Statement. You also must pay the amount by which the 
           New Balance exceeds your credit limit. 
      
           Subject to applicable law, we may apply Minimum Payments in the manner that we choose. 
           For example, we may apply Minimum Payments due to transactions with lower APRs 
           before transactions with higher APRs. Any payment amount above the Minimum Payment 
           due will be applied to transactions with higher APRs before transactions with lower APRs, 
           based on the day payment is credited, including transactions that occur after the close of 
           the statement cycle. Among multiple transactions with the same APR, we may apply your 
           payments to older transactions before more recent transactions. 
      
           We may accept late payments, partial payments, drafts, ShareChecks, checks and money 
           orders marked �Payment in Full,� or words of similar effect, without losing any of our rights to 
           collect the full Account Balance. If you in good faith tender partial payment to us as full 
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           satisfaction of a claim that is unliquidated or subject to a bona fide dispute, you must send 
           the partial payment to us at the address for inquires listed on your Periodic Statement, with a 
           description of the error. See the sections in this Agreement entitled �Disputes with Merchant,� 
           �Your Rights to Dispute Billing Errors,� and �Your Billing Rights� for more information. 
      
      9.   DEFAULT: 
           You will be in default if you fail to make any Minimum Payment or other required payment by 
           its Due Date. You also will be in default if we determine that your ability to repay us may be 
           reduced for any reason, including but not limited to a change in your employment, a 
           decrease in your income, an increase in your obligations, bankruptcy or insolvency 
           proceedings involving you, or your death. Additionally, you will be in default if you fail to 
           abide by this Agreement or if you make any false or misleading statements in any credit 
           application, credit update or other communication to us. You agree to inform us if you 
           become aware of any event or condition that may constitute a default as described in this 
           Section 9. We have the right to demand immediate payment of your full Account Balance if 
           you default, subject to our giving you any notice required by law. To the extent permitted by 
           law, you also will be required to pay our collection expenses, including court costs and 
           reasonable attorney fees. 
      
      10.  SECURITY INTEREST: 
           For Platinum Share-Secured Rewards Credit Card Accounts, 110% of the credit line is 
           placed on permanent hold in the Account holder�s regular share account as additional 
           security.  This amount shall be in addition to the par share balance. 
      
           Collateral securing other loans that you have with us may secure your Account, except that 
           a dwelling will never be considered as security for your Credit Card Account, 
           notwithstanding anything to the contrary in any other agreement with us. 
      
           If we obtain a judgment against you for anything you owe us on your Account, and neither 
           law nor the terms of the judgment prohibits us from doing so, we may set off the judgment 
           debt against any obligation we owe you (such as the balance in your HSFCU accounts 
           without special tax treatment). 
      
      11.  CANCELLATION: 
           Except where written notice is required by law, we shall not be under any obligation to make 
           any extension of credit, we may cancel your Account, we may refuse to allow further 
           transactions, and we may revoke your Card, Access Device, PIN or Access Code at any 
           time. 
      
           You may cancel your Account by writing to us at Hawaii State Federal Credit Union, Card 
           Operations, P.O. Box 3072, Honolulu, HI 96802-3072. 
      
           Each Card and Access Device shall remain the property of HSFCU and may be 
           repossessed by us at any time, with or without notice. Upon cancellation of your Account, 
           you will use your best effort to retrieve all Cards and Access Devices. You will immediately 
           return all Access Devices and Cards, which you will have cut in half. You also will cancel 
           any recurring charges. 
      
           After cancellation of your Account, you will continue to be bound to pay the Balance of the 
           Account under the terms of this Agreement subject to section 9, and until paid, you will be 
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           liable for all Finance Charges and other fees and charges imposed on the Account. You 
           also are liable for the payment of any credit that is obtained after the Account is cancelled 
           and for all other amounts owed under the Account. Cancellation will not affect any of our 
           rights or any security interests securing the advances under this Agreement, until all 
           obligations to us have been satisfied. 
      
     12.   CARD INFORMATION UPDATES AND AUTHORIZATIONS: 
           If you have authorized a merchant to bill charges to your Card on a recurring basis, it is your 
           responsibility to notify the merchant in the event your Card is replaced, your Card information 
           (such as Card number and expiration date) changes, or the account associated with your 
           Card is closed. However, if your Card is replaced or Card information changes, you authorize 
           us, without obligation on our part, to provide the updated Card information to the merchant in 
           order to permit the merchant to bill recurring charges to the Card. You authorize us to apply 
           such recurring charges to the Card until you notify the merchant that you are revoking the 
           merchant�s authorization for the charges to your Card and the revocation is processed. 
      
           Your Card is automatically enrolled in an information updating service. Through this service, 
           your updated Card information (such as Card number and expiration date) may be shared 
           with participating merchants to facilitate continued recurring charges. Updates are not 
           guaranteed. You are responsible for making direct payment until recurring charges resume 
           and for assuring that the merchant has your updated Card information. 
      
      13.  DISPUTES WITH MERCHANT: 
           We are not responsible for the refusal of any merchant or financial institution to honor your 
           Card or Access Device. If you have a dispute with a merchant or financial institution, you 
           must make a good faith attempt to resolve the dispute with the merchant or financial 
           institution. If you cannot do so, you must send written notice of the dispute to Customer 
           Service, P. O. Box 31112, Tampa, FL 33631-3112 and to the merchant or financial 
           institution. We will then investigate the dispute and take such action as required under the 
           Federal Truth in Lending Act. 
      
           If we credit your Account for any disputed amount, you agree that (a) we will be subrogated 
           to, and you shall assign to us, all rights that you have against the merchant or financial 
           institution, (b) you will do whatever is necessary to enable us to exercise our rights and will 
           cooperate with us, and (c) you will not prejudice our rights. You further agree that we have 
           the right to reverse any credits that we apply, and that you will indemnify and hold us 
           harmless with respect to any dispute, to the full extent permitted by law. 
      
      14.  CHANGE IN TERMS: 
           We may change the terms of this Agreement from time to time. The new terms will apply to 
           your existing Account Balances and all Fees and Charges accrued at the time of the 
           change as well as to any future transactions. We will mail to you written notice of the 
           change or the new Agreement at least forty-five (45) days before the effective date of the 
           change, except as otherwise permitted or required by law. 
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      15.  YOUR RIGHTS TO DISPUTE BILLING ERRORS: 
           Read the notice entitled Your Billing Rights, that immediately follows Section 33 of this 
           Agreement; it contains important information regarding your rights to dispute billing errors. 
           By this reference, that notice is made a part of this Agreement. 
      
      16.  LOST OR STOLEN CARD AND UNAUTHORIZED USE: 
           If you notice the loss or theft of your Card or a possible unauthorized use of your Card, you 
           should call us immediately at the following toll-free numbers based on your credit card 
           account: 
      
            Signature Cash Rewards Credit Card      1-855-437-2794 
            Platinum Rewards Credit Card            1-866-820-6821 
            Platinum Share-Secured Rewards Credit Card  1-866-820-6821 
      
           Or you may write to us at: Credit Card Security Department, P. O. Box 31281, Tampa, FL 
           33631-3281. 
      
           You will not be liable for any unauthorized use that occurs after you notify us. You may, 
           however, be liable for unauthorized use that occurs before your notice to us. In any case, 
           your liability will not exceed $50. Subject to investigation, verification of your claim, and 
           account standing and history, you will have no liability for unauthorized Purchases made 
           with your Card through Visa Network, unless you acted with gross negligence or fraud, or 
           delayed in reporting unauthorized use. 
      
           You are responsible for the safekeeping of your Card, PIN, Access Device and Access 
           Code. If we suffer a loss we may not reissue a Replacement Card or Access Device and 
           may close your Account. 
      
      17.  ADDRESS CHANGES AND NOTICES: 
           Whenever we are required to give you notice about your Account, we will mail it to you at 
           your present address, or at any new address that you have given to us, or to your last 
           known address. Notice sent to any one of you will be considered notice to all of you. You 
           agree to notify us as soon as possible of any change of address by writing us at Hawaii 
           State Federal Credit Union, Card Operations, 
      
           P.O. Box 3072, Honolulu, HI 96802-3072. In your written request, include the date of your 
           request, your old and new address, your Member Number and Credit Card Account 
           Number, and your signature. We may close your Account if you move outside the State of 
           Hawaii. 
      
           If there is any notice that you need to give us, call us during our regular business hours at 
           808-587-2700 or toll free at 1-888-586-1056 for Neighbor Islands or Continental U.S.A., 
           write us at Hawaii State Federal Credit Union, Card Operations, P.O. Box 3072, Honolulu, 
           HI 96802-3072, or go to any HSFCU branch. We may require that certain notices be 
           provided to us in writing. 
      
           Unless this Agreement or law provides otherwise, notice of forty-five (45) days is reasonable 
           whenever required under this Agreement. 
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      18.  RESIDENTS OF IOWA 
           If you or any Card holder is a resident of the State of Iowa, you agree to notify HSFCU 
           immediately and to cease all use of the Account. It is against HSFCU rules for Iowa 
           residents to use a HSFCU Credit Card Account because of the Iowa Lender Credit Card 
           Act. 
      
      19.  RESIDENTS OF NEW YORK 
           New York residents may contact the New York State Department of Financial Services by 
           telephone or visit its website for free information on comparative credit card rates, fees and 
           grace periods. NY State Dept. of Financial Services: 1-877-226-5697 or 
           http://www.dfs.ny.gov/consumer/creditdebt.htm. 
      
      20.  APPLICABLE LAW: 
           The Account was considered, approved and issued in the State of Hawaii and all extensions 
           of credit are being made from the State of Hawaii. You agree the laws of the State of Hawaii 
           (without regard to any conflicts of law provisions) shall apply to this Agreement, your 
           Account, your use of your Card, Access Device, PIN and Access Code, wherever that takes 
           place, and any proceeding to enforce this Agreement. Jurisdiction and venue shall be vested 
           in the courts of the State of Hawaii and federal courts in the District of Hawaii.  You agree 
           that any action to enforce any remedies under this Agreement and for any other purpose 
           may be brought in or transferred to the First Circuit Court of the State of Hawaii or the 
           U. S. District Court for the District of Hawaii. 
      
      21.  USE FOR ILLEGAL PURPOSE PROHIBITED; INDEMNIFICATION AND WAIVER. 
           You may not use your Account, Card, Access Device, PIN or Access Code for any illegal 
           purpose, such as unlawful gambling.  Display of a payment card logo by an online merchant 
           or acceptance of a credit card by an online merchant does not necessarily mean that the 
           transaction is legal in the jurisdiction in which you are located. You will be liable for any 
           losses resulting from any illegal transaction. You agree that we may deem any illegal use by 
           you of any financial product or service to be an event of default and a breach of contract, and 
           that we may terminate services to you in our discretion. You further 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.  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 should register your Card in the Verified by 
           Visa section at www.visa.com, where you will be asked to enter account information and 
           personal data for identity confirmation. You will be able to shop at participating VbV Internet 
           merchants with no changes to the shopping or checkout process. Should you shop at a VbV 
           participating Internet merchant and have not yet registered your Card, you will be required to 
           register with VbV before completing the transaction. 
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      23.  FOREIGN TRANSACTIONS: 
           Purchases and Cash Advances you make in foreign countries and in foreign currencies will 
           be billed in U.S. dollars. The exchange rate between transaction currency and the billing 
           currency used for processing international transactions is a rate selected by Visa from the 
           range of rates available in wholesale currency markets for the applicable central processing 
           date, which may vary from the rate Visa U.S.A. itself receives; or the government-mandated 
           rate in effect for the applicable central processing date. The conversion rate in effect on the 
           processing date may differ from the rate in effect on the transaction date. Foreign transaction 
           fees may apply as set forth in the Account Opening Disclosure or HSFCU Fee Schedule. 
      
      24.  UNAUTHORIZED TRANSACTIONS: 
           You agree to cooperate fully with the investigation of any 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 (a) we will be 
           subrogated to, and you shall assign to us, all rights that you have against any unauthorized 
           user, (b) you will do whatever is necessary to enable us to exercise our rights and will 
           cooperate with us, and (c) you will not prejudice our rights. You further agree that we have 
           the right to reverse any credits that we apply, and that you will indemnify and hold us 
           harmless with respect to any dispute, to the full extent permitted by law. 
      
      25.  NONTRANSFERABILITY: 
           You may not transfer or assign your Account, Card or Access Device without prior 
           written consent, which we may withhold in our sole discretion. 
      
      26.  SEVERABILITY: 
           If any provision in our Agreement and Disclosures is not enforceable, such provision shall 
           be deemed amended and enforced to the maximum extent permissible by law. All other 
           provisions shall remain in full force and effect. 
      
      27.  WAIVERS: 
           You agree and understand that our failure to delay to exercise any right, remedy, power, or 
           privilege available to us pursuant to this Agreement shall not affect or disallow our future 
           exercise of that right, remedy, power or privilege. 
      
      28.  ELECTRONIC RECORDS; EVIDENCE: 
           You agree that a copy, microfilm, microfiche, or other electronic medium will have the same 
           validity as the original. 
      
      29.  BUSINESS DAYS: 
           Our Business Days are Mondays through Fridays, except Holidays including State of 
           Hawaii Holidays. Our business hours generally are from 7:30 a.m. to 5:00 p.m. 
      
      30.  ACCUMULATION OF CUREWARDS POINTS FOR PLATINUM REWARDS AND 
           PLATINUM SHARE-SECURED REWARDS ACCOUNTS: 
           Every dollar in qualifying Purchases, less returns, that you charge to your Account earns 
           one (1) point. Points are not earned for Finance Charges, Fees, Cash Advances, Balance 
           Transfers, Convenience Checks, foreign transaction currency conversion charges or 
           insurance charges posted to your Account. 
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           The accumulation of points can be used to order awards as described in the CURewards 
           Program brochure or the website (www.CURewards.com) which can be accessed via the 
           HSFCU�s home banking site. The awards are subject to availability. 
      
           To redeem your points you must have the necessary number of points posted to your 
           Account as of your previous Periodic Statement, your Account must be current and your 
           outstanding balance should not be greater than your established credit limit. 
      
           Points earned in calendar year one will expire as of the last day of calendar year five. (For 
           example, points earned in 2022 will expire December 31, 2026; points earned in 2023 will 
           expire December 31, 2027.) 
      
           A complete set of Program Rules may be obtained at the CURewards website, via the Credit 
           Union�s home banking site, or by contacting the Credit Union at 808-587-2700 or toll free at 
           1-888-586-1056 for Neighbor Islands and Continental U.S.A. 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. 
      
      31.  CASHBACK FOR SIGNATURE CASH REWARDS ACCOUNTS: 
           Every dollar in qualifying Purchases, less returns, that you charge to your Account earns 1% 
           cashback. Cashback is not earned for Finance Charges, Fees, Cash Advances, Balance 
           Transfers, Convenience Checks, or insurance charges posted to your Account. Cashback 
           will be given as a statement credit on a quarterly basis on the January, April, July, and 
           October statements. If your Account is closed prior to the close of the quarter (March, June, 
           September and December), you will forfeit the cashback statement credit for that quarter. 
      
      32.  ENTIRE AGREEMENT: 
           The information contained in this Agreement is accurate as of July 1, 2018 and is subject to 
           change after that date. Please write to Hawaii State Federal Credit Union, Card Operations, 
           P.O. Box 3072, Honolulu, HI 96802-3072 for any changes to this information. This 
           Agreement represents the entire Signature Cash Rewards Credit Card, Platinum Rewards 
           Credit Card and Platinum Share- Secured Rewards Credit Card Agreement. It supersedes 
           any previous Agreements and any terms that may be included with or may appear on any 
           other document (e.g., the Card jacket, which arrives with your Card(s) and transaction 
           receipts provided at the time of a transaction). 
      
      33.  GENERAL QUESTIONS ABOUT YOUR CREDIT CARD ACCOUNT: 
           Direct all questions about your Account to Customer Service at the applicable number 
           below: 
      
            Signature Cash Rewards Credit Card        1-855-437-2794 
            Platinum Rewards Credit Card              1-866-820-6821 
            Platinum Share-Secured Rewards Credit Card  1-866-820-6821 
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            YOUR BILLING RIGHTS:  KEEP THIS DOCUMENT FOR FUTURE USE 
      
      This notice contains important information about your rights and our responsibilities under the 
      Fair Credit Billing Act. 
      What to Do If You Find a Mistake on Your Statement 
      If you think there is an error on your statement, write to us at: Customer 
                Service 
                P. O. Box 31112 Tampa, FL 
                33631-3112 
      
      In your letter, give us the following information: 
           ?    Account information: Your name and account number. 
           ?    Dollar amount: The dollar amount of the suspected error. 
           ?    Description of problem: If you think there is an error on your bill, describe what you 
                believe is wrong and why you believe it is a mistake. 
      
      You must contact us: 
           ?    Within 60 days after the error appeared on your statement. 
           ?    At least 3 business days before an automated payment is scheduled, if you want 
                to stop payment on the amount you think is wrong. 
      
      You must notify us of any potential errors in writing. You may call us, but if you do we are not 
      required to investigate any potential errors and you may have to pay the amount in question. 
      
      What Will Happen After We Receive Your Letter 
      When we receive your letter, we must do two things: 
             a.  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. 
             b.  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. 
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           ?    If we do not believe there was a mistake: You will have to pay the amount in 
                question, along with applicable interest and fees. We will send you a statement of 
                the amount you owe and the date payment is due. We may then report you as 
                delinquent if you do not pay the amount we think you owe. 
      
      If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days 
      telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also 
      reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
      reported you as delinquent, and we must let those organizations know when the matter has been 
      settled between us. 
      
      If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you 
      question even if your bill is correct. 
      
      Your Rights if You Are Dissatisfied With Your Credit Card Purchases 
      If you are dissatisfied with the goods or services that you have purchased with your credit card, 
      and you have tried in good faith to correct the problem with the merchant, you may have the right 
      not to pay the remaining amount due on the purchase. 
      
      To use this right, all of the following must be true: 
           1.   The purchase must have been made in your home State or within 100 miles of your 
                current mailing address, and the purchase price must have been more than $50. (Note: 
                Neither of these are necessary if your purchase was based on an advertisement we 
                mailed to you, or if we own the company that sold you the goods or services.) 
           2.   You must have used your credit card for the purchase. Purchases made with cash 
                advances from an ATM or with a check that accesses your credit card account do not 
                qualify. 
           3.   You must not yet have fully paid for the purchase. 
      
      If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing 
      at: 
      
                Customer Service 
                P. O. Box 31112 Tampa, FL 
                33631-3112 
      
      While we investigate, the same rules apply to the disputed amount as discussed above. After we 
      finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and 
      you do not pay, we may report you as delinquent. 
       
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                              Hawaii State Federal Credit Union 
                             Signature Cash Rewards Credit Card 
                               Platinum Rewards Credit Card 
                          Platinum Share-Secured Rewards Credit Card 
                                   Application Disclosure 
                                  Effective August 7, 2019 
      
      
      
      Interest Rates and Interest Charges 
      Annual Percentage Rate 
                            11.65% to 13.65% for the Signature Cash Rewards Credit Card when 
      (APR) for Purchases, 
                            you open your Account, based on your creditworthiness.  After that, your APR will 
      Balance Transfers and Cash 
                            vary with the market based on the U.S. Prime Rate.* 
      Advances 
                            11.65% to 18.00% for the Platinum Rewards Credit Card when you open 
                            your Account, based on your creditworthiness.  After that, your APR will vary with the 
                            market based on the U.S. Prime Rate.* 
                            18.00% for the Platinum Share-Secured Rewards Credit Card when you open 
                            your Account, based on your creditworthiness.  After that, your APR will vary with the 
                            market based on the U.S. Prime Rate.* 
                             
      Penalty APR and When it  None. 
      Applies 
      How to Avoid Paying Interest  Your due date is at least 25 days after the close of each statement cycle.  We will not 
      on Purchases          charge you any interest on purchases if you pay your entire balance by the due date 
                            each month and do not use your Account for cash advances and balance transfers. 
      Minimum Interest Charge  None. 
      For Credit-Card Tips from the  To learn more about factors to consider when applying for or using a credit card, visit 
      Consumer Financial    the website of the Consumer Financial Protection Bureau at 
      Protection Bureau     http://www.consumerfinance.gov/learnmore. 
      
      Fees 
      Annual Fee            None. 
      Transaction Fees       
      ? Balance Transfer    None. 
      ? Cash Advance        None. 
      ? Foreign Transaction  None. 
      Penalty Fees           
      ? Late Payment        Up to $28. 
      ? Over-the-Credit Limit  None. 
      ? Returned Payment    Up to $28. 
      
     How We Will Calculate Your Balance: We will use a method called �Average Daily Balance (including new transactions).� 
     *Variable APR:  The APRs are based on an index plus a margin. The margins, APRs and periodic rates will be set forth in your 
     Account Opening Disclosure. The index is the U.S. Prime Rate published in the Wall Street Journal. We will use the most recent 
     index available as of the first day of the calendar month in which the statement cycle begins.  For example, the APR that will 
     be applied during your statement cycle that begins in July will be calculated using the index available on July 1. We will not 
     charge an APR greater than the maximum that we are permitted to charge by law (currently 18.0%). 
     Payments:  Subject to applicable law, we may apply your minimum payments in the manner that we choose.  E.g., we may 
     apply your minimum payments to transactions with lower APRs before transactions with higher APRs.  If your payment exceeds 
     the required minimum periodic payment, we will allocate the excess to the balance with the highest APR first, based on the day 
     payment is credited, including transactions that occur after the close of the statement cycle. 
     Fees:  Late Payment Fees, Returned Payment Fees and Returned Convenience Check Fees will not exceed the amount of 
     the payments; if there is no previous incident of late payment, returned payment, or returned convenience check, as applicable, 
     for the Account in the current statement cycle or in any of the six preceding statement cycles, the fee will not exceed the CFPB 
     limit (currently $27). The Stop Payment Fee on Convenience Checks (if offered), and the returned Convenience Check Fee 
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     are each $28. The Research Fee is $25 per hour or fraction thereof. The Periodic Statement Copy Fee is $5 per copy. Research 
     and Periodic Statement Copy Fees apply to requests made by you or third parties (including, for example, subpoenas and 
     search warrants), and will be added to the Account unless payment is received in advance. The Card Replacement Fee is $10 
     for each Card replacement ordered. Please see our current Fee Schedule for other fees. 
     Security:  Collateral securing other loans that you have with us may secure your Credit Card Account, except that a dwelling 
     will never be considered as security for your Credit Card Account.  In addition, for Platinum Share-Secured Rewards Card, 
     110% of the credit line is placed on permanent hold in the Regular Share Account as additional security, in addition to the par 
     share balance.  See the Account Agreement for more information regarding security for your Account. 
     Iowa:  If any Owner or Cardholder is a resident of the State of Iowa, you agree to notify us immediately and to cease all use of 
     the Account.  It is against our rules for Iowa residents to use our Credit Card Account because of the Iowa Lender Credit Card 
     Act. 
     New York:  New York residents may contact the New York State Department of Financial Services by Telephone or visit its 
     website for free information on comparative credit card rates, fees and grace periods. NY State Dept. of Financial Services: 1-
     877-226-5697 or http://www.dfs.ny.gov/consumer/creditdebt.htm. 
     Current Information:  The information about the costs of the card is accurate as of August 7, 2019.  This information may have 
     changed.  To find out what may have changed, please write to Hawaii State Federal Credit Union, Card Operations, P.O. Box 
     3072, Honolulu, HI 96802-3072, or call 587-2700 (Oahu) or 1-888-586-1056 toll-free from Neighbor Islands & Continental U.S., 
     or go to any Hawaii State Federal Credit Union branch. 
      
       
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