PRIORITY REWARDSSM CREDIT CARD DISCLOSURES
(Personal, Priority Banking and Private Banking Accounts)

This disclosure was printed on 09/01/2017. The information for this card is accurate as of that date and is subject to change
after that date. For any changes since the print date, contact us at BankCard Center, P.O. Box 1959, Honolulu, HI, 96805.

Interest Rates and Interest Charges

Annual Percentage Rate
(APR) for Purchases

17.24% for Personal Platinum and Personal World Accounts
15.24% for Priority Banking Platinum and Priority Banking World Accounts
12.24% for Private Banking Platinum and Private Banking World Accounts

These APRs will vary with the market based on the U.S. Prime Rate.

APR for Cash Advances

18.00% Fixed

Penalty APR and When it
Applies

18.00% Fixed

This APR will apply to your account if you make a late payment.

How Long Will the Penalty APR Apply?: The Penalty APR will apply until you have
made six consecutive Minimum Payments when due.

How to Avoid Paying
Interest on Purchases

Your due date is at least 25 days after the close of each billling cycle. We will not charge you
interest on Purchases if you pay your entire New Balance by the Payment Due Date each
month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.00.

For Credit Card Tips from
the Consumer Financial
Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the
website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore.

Fees

Annual Fee

Transaction Fees

 Foreign Transaction
 Convenience Check

None

3% of the U.S. dollar amount of any Purchase or Cash Advance made in a foreign currency

Either $5 or 3% of the amount of each check, whichever is greater

 ATM Cash Advance

Either $5 or 5% of the amount of each Cash Advance, whichever is greater

 Over-the-counter
Cash Advance

Penalty Fees

 Late Payment

 Returned Payment

Either $5 or 5% of the amount of each Cash Advance, whichever is greater

Up to $38

Up to $38

How We Will Calculate Your Balance: We will use a method called “Average Daily Balance (including new Purchases).”

Unless otherwise defined herein, all capitalized terms shall have the meaning set forth in the applicable Priority Rewards Credit
Card Agreement.

TERMS AND CONDITIONS
Important Information about the Priority Rewards Credit Card Program

Priority RewardsSM Credit Card cardholders (“Cardholders”) earn one (1) CashPoint for every $1.00 of net qualifying purchases. Cash
advances, cash equivalents (such as purchase of traveler’s checks or cashier’s checks), convenience checks, balance transfers, and other
Account fees do not earn CashPoints. Any credit on a Cardholder’s Account because of a return of goods or for any other reason will result in
a corresponding deduction of CashPoints from the Cardholder’s Account. Accounts must be open and in good standing to earn and redeem
CashPoints. CashPoints earned will be reflected on the Cardholder’s (identified as the applicant in the application) online account on
fhbrewards.com and cannot be bought, sold, or transferred in any way except CashPoints can be transferred to Priority Rewards Cardholders
and Priority Rewards Premier World Elite Cardholders. CashPoints accrued shall be subject to expiration on the last day of the twenty
four (24) months after the last account activity in the rewards account. Airline ticket rewards are subject to a non-refundable
redemption ticketing fee. Questions regarding the redemption of CashPoints may be directed to our Redemption Center at 1-800-868-2856.

See the Priority Rewards Program Agreement and the Priority Rewards Credit Card Agreement for more information about the Priority
Rewards Program and your Account.

CashPoints have no cash value except as described in the Priority Rewards Program Agreement. First Hawaiian Bank reserves the right to
cancel or change the Priority Rewards Program at any time without prior notice. All reward items are subject to availability, and First Hawaiian
Bank reserves the right to withdraw, change or replace specific reward items at any time. We reserve the right to change the features and
benefits associated with your Priority Rewards Credit Card at any time without prior notice. The current Redemption Schedule is available
online at fhbrewards.com. World Mastercard® features and many of its benefits are available only to World cardholders.

Mastercard® is a registered trademark of Mastercard® International Incorporated.