3/5/2018

https://www.barclaycardus.com/applycontent/banking/marketing/rangedcma/Bank_of_Hawaii/Visa_General_Account_Pricing_Information.html

Pricing Supplement to the
Cardmember Agreement

The information provided below in this Pricing Supplement, along with the Cardmember
Agreement(s) and the Addendum to the Cardmember Agreement (as applicable) reflects
certain account pricing and terms that were available to certain applicants that applied
for and were approved for certain credit card accounts on the last business day of the
calendar quarter that ended on 12/31/2017.  These account terms may not be available
after that date.

These documents are being provided to you for informational purposes only.  If you
apply and are approved for a credit card account with us, your actual account terms will
be based on the terms of the offer available at the time that you applied, what you are
approved for and your actual Cardmember Agreement will be the agreement sent to you
when your account is first opened.

Interest Rates and Interest Charges

Annual Percentage Rate
(APR) for Purchases

APR for Balance
Transfers

15.23%  or 18.23%* APR.   This APR will vary with the market based on

the Prime Rate.

15.24%  or 18.24%* APR.   This APR will vary with the market based on the Prime

Rate.

APR for Cash Advances

15.24% or 18.24%* APR.   This APR will vary with the market based on the Prime

Rate.

Paying Interest

Your due date is at least 23 days after the close of each billing cycle.  We will not
charge you interest on purchases if you pay your entire balance by the due date
each month.  We will begin charging interest on balance transfers, checks and cash
advances on the transaction date.

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

* Pursuant to Hawaii law, the APR on your account is capped at 18%. Even if the variable APR
calculation results in a higher value, your APR is 18%.

Fees

Annual Fee

$0

Transaction Fees:

Balance Transfer

Either $10 or 4% of the amount of each transfer, whichever is greater.  We may from
time to time offer you lower Transaction Fees on Balance Transfers and Checks.

Cash  Advance

Either $10 or 4% of the amount of each cash advance, whichever is greater.

Foreign
Transaction

Penalty Fees:

2%  of each transaction in U.S. dollars.

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Late Payment

Up to $25.

Returned Payment Up to $25.

Additional Check
Related Fees

Check Stop
Payment Fee

Up to $25.

Returned Check
Fee

Up to $25.

How We Will Calculate Your Balance:
We use a method called "daily balance (including new purchases)". See Credit Agreement for
more details.

The Prime Rate was 4.50% as of the last business day of the quarter that ended 12/31/2017.

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