COMP 4020 (20 210120) 1 Consumer Credit Cards EFF  20210 701  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, whi ch 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 autho rized 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 Adv ances 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 tha t 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 ter mination 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. Thi s 
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.   COMP 4020 (20 210120) 2 Consumer Credit Cards EFF  20210 701  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 writ ten 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 p rivileges, 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 di splays 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 transf er (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 receip t 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 COMP 4020 (20 210120) 3 Consumer Credit Cards EFF  20210 701  the posting date. Convenience Checks, when av ailable, 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.  
 
Period ic 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. Shou ld 
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 m argin 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 �Avera ge 
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 calculat ed 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 Spe cial APR.   COMP 4020 (20 210120) 4 Consumer Credit Cards EFF  20210 701  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 payme nts 
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   COMP 4020 (20 210120) 5 Consumer Credit Cards EFF  20210 701  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 employme nt, 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 securin g 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 treat ment).  
 
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   COMP 4020 (20 210120) 6 Consumer Credit Cards EFF  20210 701  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. Cancellat ion 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 yo ur 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 t his 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 recur ring 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 subrog ated 
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. Yo u 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.   COMP 4020 (20 210120) 7 Consumer Credit Cards EFF  20210 701  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 unauthoriz ed 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 o f 
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 thi s Agreement.   COMP 4020 (20 210120) 8 Consumer Credit Cards EFF  20210 701  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 Banking Department  by telephone or 
visit its website for free information on comparative credit card rates, fees and grace 
periods. NY State Banking Department : 1-800-342-3739  or http://www.dfs.ny.gov . 
 
20. APPL ICABLE  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 app ly 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 con firmation. 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 
registe r with VbV before completing the transaction.   COMP 4020 (20 210120) 9 Consumer Credit Cards EFF  20210 701  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 b illing 
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 Ac count 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 agen cies, 
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 exerci se 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 ex tent 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, r emedy, 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, Bala nce 
Transfers, Convenience Checks, foreign transaction currency conversion charges or 
insurance charges posted to your Account.   COMP 4020 (20 210120) 10 Consumer Credit Cards EFF  20210 701  The accumulation of points can be used to order awards as described in the CURewards 
Program brochure or the web site ( 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 a s 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 Cr edit 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 qualifyin g 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 s tatement 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 January  1, 2021  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   COMP 4020 (20 210120) 11 Consumer Credit Cards EFF  20210 701  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 thi nk 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.   COMP 4020 (20 210120) 12 Consumer Credit Cards EFF  20210 701  � 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 am ount 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 q uestioning 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.  
   COMP 4020 (20 210120) 13 Consumer Credit Cards EFF  20210 701  Pricing Addendum  
Hawaii State Federal Credit Union  
Signature Cash Rewards Credit Card  
Platinum Rewards Credit Card  
Platinum Share -Secured Rewards Credit Card  
Effective July 1, 2021  
 
 
 
Interest Rates and Interest Charges  
Annual Percentage Rate 
(APR) for Purchases, 
Balance Transfers and Cash 
Advances  
 10.65 % to 12.65% for the Signature Cash Rewards Credit Card .  Your 
APR will vary with the market , and is  based on the U.S. Prime Rate  plus a margin of 
7.40% to 9.40%, based on your creditworthiness .  * 
10.65 % to 1 7.15% for the Platinum Rewards Credit Card .  Your APR will 
vary with the market , and is  based on the U.S. Prime Ra te plus a margin of 7.40% to 
13.90%, based on your creditworthiness .  After that, your APR will vary * 
17.15% for the Platinum Share -Secured Rewards Credit Card .  Your  APR will 
vary with the market , and is  based on the U.S. Prime Rate  plus a margin of 13.90% .* 
 
Penalty APR and When it 
Applies  None . 
How to Avoid Paying Interest 
on Purchases  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 and balance transfers.  
Minimum Interest Charge  None . 
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  None . 
Transaction Fees  
� Balance Transfer  
� Cash Advance  
� Foreign Transaction   
None . 
None . 
None.  
Penalty Fees  
� Late Payment  
� Over -the-Credit Limit  
� Returned Payment   
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 pu blished 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 wil l 
be applied during your statement cycle that begins in July will b e 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 ch oose.  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, bas ed 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 prev ious 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 C FPB 
limit (currently $27). The Stop Payment Fee on Convenience Checks (if offered), 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  COMP 4020 (20 210120) 14 Consumer Credit Cards EFF  20210 701  and Periodic Statement Copy Fees apply to re quests 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 F ee 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 p ar 
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 Car d 
Act. 
New York :  New York residents may contact the New York State Department of Fin ancial Services by telephone or visit its 
website for free information on comparative credit card rates, fees and grace periods. NY State Department  of Financial 
Services : 1-800-342-3736 or http://www.dfs.ny.gov . 
Current Information :  The information about the costs of the card is accurate as of July 1, 2021 .  This information may have 
changed.  To find out what may have changed, please write to Hawaii State Federal Cred it 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.