CASH REWARDS CREDIT CARD DISCLOSURES  
(Personal and Priority Banking Accounts) 

This disclosure was printed on 03/01/2016. 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 

16.49% for Personal Platinum and Personal World Accounts 
14.49% for Priority Banking Platinum and Priority 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 may be applied to your account if you make a late payment. 

How Long Will the Penalty APR Apply?: This Penalty APR will apply until you make 
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 billing 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  

None 

2.5% of the U.S. dollar amount of any Purchase or Cash Advance made in a foreign currency 

  Convenience Check 

Either $5 or 3% of the amount of each check, whichever is greater (maximum fee $50) 

  ATM Cash Advance 

Either $3 or 3% of the amount of each Cash Advance, whichever is greater (maximum fee 
$50) 

  Over-the-counter Cash 

Advance  
Penalty Fees 
  Late Payment 

Either $5 or 3% of the amount of each Cash Advance, whichever is greater (maximum fee 
$50) 

Up to $35  

  Over Credit Limit 

Up to $15 (only if you opt-in; N/A for World Accounts) 

  Returned Payment 

Up to $35 

How We Will Calculate Your Balance: We 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 Cash Rewards 
Credit Card Agreement. 

Important Information about the Cash Rewards Credit Card Program 

TERMS AND CONDITIONS 

Cash Rewards Cardholders (“Cardholders”) will receive a credit based upon eligible transactions appearing on their current month’s billing statement.  
You cannot earn Cash Rewards for cash advances, cash equivalents (such as the purchase of traveler’s checks or cashier’s checks), ATM withdrawals, 
PIN transactions, unauthorized or fraudulent charges and any fees related to the Cash Rewards Credit Card.  Cash Rewards will be deducted for any 
returns or credits made on your Cash Rewards Credit Card Account (“Account”).  A Cardholder’s Account must be open and in good standing to earn 
Cash  Rewards.    Earned  Cash  Rewards  will  be  reflected  on  the  primary  cardholder’s  monthly  credit  card  statement  and  cannot  be  bought,  sold  or 
transferred in any way.  An annual limitation of $300 in Cash Rewards applies.  World MasterCard® features and many of its benefits are only available 
to World cardholders.  See the Cash Rewards Program Agreement and the Cash Rewards Credit Card Agreement for more important information about 
the Cash Rewards Program and your Account.  First Hawaiian Bank reserves the right to cancel or change the Cash Rewards Program, including the 
right to the right to add or delete benefits and services, at any time without prior notice. 

MasterCard® is a registered trademark of MasterCard International Incorporated.