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 August 15, 2016 
(Effective August 15, 2016) 

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. 

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2. 

3. 

4. 

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. 

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. 

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. 

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. 

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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 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. 

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 that 
precedes the calendar month in which the statement cycle begins.  For example, 
the APR that will be applied during your July statement cycle will be calculated 
using the index available on June 1. 

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 

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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. 

Calculating the Variable APRs. 

If the most recent U.S. Prime Rate published in the Wall Street Journal as of the 

first day of the calendar month in which the statement cycle begins is 5.00%, and 

if the Margin is 8.40%, then we add the U.S. Prime Rate and Margin together to 

calculate the applicable APR: 

5.00% + 8.40% = 13.40% 

c. 

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. 

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 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.). 

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7. 

8. 

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. 

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 
Under $15 
$15 to $500 
Over $500 

Current Payment Due 
Entire Amount 
$15 
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 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. 

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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 Services, 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, 

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and until paid, you will be 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.  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. 

13.  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.   

14.  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. 

15. 

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: 

1-855-437-2794 
Signature Cash Rewards Credit Card 
Platinum Rewards Credit Card 
1-866-820-6821 
Platinum Share-Secured Rewards Credit Card  1-866-820-6821 

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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. 

16.  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 Services, 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 Services, 
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. 

17.  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. 

18.  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. 

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19.  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. 

20.  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. 

21.  PROHIBITION AGAINST USING ACCOUNT FOR MARGIN STOCK: 

You agree that you will not use the Account to Purchase or carry margin stock 
(as defined in Federal Reserve Board regulations). 

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 Credit Card 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. 

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30.  ACCUMULATION OF CUREWARDS POINTS FOR PLATINUM REWARDS 

AND PLATINUM SHARE-SECURED 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. 

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 August 15, 2016 
and is subject to change after that date.  Please write to Hawaii State Federal 
Credit Union, Card Services, 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 

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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 
Platinum Rewards Credit Card 
Platinum Share-Secured Rewards Credit Card 

1-855-437-2794 
1-866-820-6821 
1-866-820-6821 

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12         Consumer Signature, Platinum Rewards, Share-Secured 

YOUR BILLING RIGHTS:  KEEP THIS DOCUMENT FOR FUTURE USE 

This notice contains important information about your rights and our responsibilities 
under the Fair Credit Billing Act. 

What to Do If You Find a Mistake on Your Statement 
If you think there is an error on your statement, write to us at: 

Customer Service 
P. O. Box 31112 
Tampa, FL 33631-3112 

In your letter, give us the following information: 

 
 
 

Account information: Your name and account number. 
Dollar amount: The dollar amount of the suspected error. 
Description of problem: If you think there is an error on your bill, describe 
what you believe is wrong and why you believe it is a mistake. 

You must contact us: 

 
 

Within 60 days after the error appeared on your statement. 
At least 3 business days before an automated payment is scheduled, if 
you want to stop payment on the amount you think is wrong. 

You must notify us of any potential errors in writing. You may call us, but if you do we 
are not required to investigate any potential errors and you may have to pay the amount 
in question. 

What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things: 

1. 

2. 

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. 
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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13         Consumer Signature, Platinum Rewards, Share-Secured 

 
 
 
 
 
 
 
 

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. 

2. 

3. 

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.) 
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. 
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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14         Consumer Signature, Platinum Rewards, Share-Secured 

 
 
 
 
 
 
 
HAWAII STATE FEDERAL CREDIT UNION 
SIGNATURE CASH REWARDS CREDIT CARD, PLATINUM REWARDS CREDIT CARD, & 
PLATINUM SHARE-SECURED REWARDS CREDIT CARD APPLICATION DISCLOSURE 
Effective for Credit Card Accounts Opened on or after August 15, 2016 
Effective August 15, 2016 

Interest Rates and Interest Charges 
Annual  Percentage  Rate  (APR) 
for 
Balance 
Transfers and Cash Advances 

Purchases, 

Penalty  APR  and  When 
Applies 
How  to  Avoid  Paying  Interest 
on Purchases 

it 

Minimum Interest Charge 

For  Credit-Card  Tips  from  the 
Consumer Financial Protection 
Bureau 

Fees 
Annual Fee 
Transaction Fees 
  Balance Transfer 
  Cash Advance 
  Foreign Transaction 
Penalty Fees 
  Late Payment 
  Over-the-Credit Limit 
  Returned Payment 

9.9%  to  11.9%  for  the  Signature  Cash  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.* 
9.9%  to  17.4%  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.* 
17.4%  for  the  Platinum  Share-Secured  Rewards  Credit  Card  when  you  open  your 
Account.  After that, your APR will vary with the market based on the U.S. Prime Rate.* 
None. 

Your  due  date  is  at  least  25  days  after  the  close  of  each  statement  cycle.    We  will  not 
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 or balance transfers prior to our 
receipt of payment. 
None. 

To learn more about factors to consider when applying for or using a credit card, visit the 
website 
at 
the 
http://www.consumerfinance.gov/learnmore. 

Consumer 

Protection 

Financial 

Bureau 

of 

None. 

None. 
None. 
None. 

Up to $28. 
None. 
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 that precedes the calendar month in 
which the statement cycle begins.  For example, the APR that will be applied during your July statement cycle will be 
calculated using the index available on June 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), 

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15         Consumer Signature, Platinum Rewards, Share-Secured 

 
 
 
 
 
and the returned Convenience Check Fee 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  Cards,  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 15, 2016.  This 
information may have changed.  To find out what may have changed, please write to Hawaii State Federal 
Credit Union, Card Services, 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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16         Consumer Signature, Platinum Rewards, Share-Secured