HERITAGE CREDIT CARD AGREEMENT  
(Personal Accounts) 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

2.99%  Intro fixed APR for your first eight billing cycles following the opening of your account.  
After that, the APR will be 16.24%. This APR will vary with the market based on the U.S. 
Prime Rate. 

APR for Balance 
Transfers 

2.99% Intro fixed APR for your first eight billing cycles following the opening of your account for 
balance transfers made within thirty days of account opening. 

After that, the APR will be 16.24%.  This APR 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. 

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.  
We will begin charging interest on Cash Advances on the transaction date. 

If you are charged interest, the charge will be no less than $1.00. 

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. 

Paying Interest 

Minimum Interest 
Charge 

For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau 

Fees 

Annual Fee 

None 

Transaction Fees 
•  Foreign Transaction 

3% of the U.S. dollar amount of any Purchase or Cash Advance made in a foreign currency 

•  Balance Transfer  

Either $5 or 5% of the amount of each Balance Transfer, whichever is greater  

•  Cash Advance 

Either $10or 5% of the amount of each Cash Advance, whichever is greater  

Penalty Fees 
•  Late Payment 

•  Returned Payment 

Up to $40  

Up to $40 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new Purchases).”  
See the paragraph of this Agreement titled “Computing Your Interest Charge” for more details. 

Loss of Introductory APR:  We may end your introductory APR and apply the Penalty APR if you make a late payment. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in this 
Agreement. 

SEE NEXT PAGE FOR IMPORTANT INFORMATION ABOUT YOUR ACCOUNT. 

Heritage 2.99                                                                                             Page 1 of 5                                                                          Rev. Date 06/01/20 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
This  Agreement  will  cover  any  regular  Mastercard,  Gold  Mastercard, 
regular  Visa,  or  Gold  Visa  account  (individually  or  collectively  called 
“Credit  Card  account”)  you  have  with  us.  By  requesting  or  accepting  a 
Credit  Card  account,  you  agree  to  be  bound  by  all  the  terms  of  this 
Agreement.  In  this  Agreement,  the  words  “you”  or  “your”  mean  everyone 
who has requested or accepted a Credit Card account with us. The words 
“we,” “us,” “our,” or “Bank” mean First Hawaiian Bank. 
1.  Use.  Your  regular  Mastercard,  Gold  Mastercard,  Visa,  or  Gold  Visa 
card (individually or collectively called “Card”) may be used as a credit card 
for  purchases  of  goods  or  services 
from  participating  merchants 
(“Purchases”)  or  to  get  Cash  Advances  from  us  or  any  other  financial 
institution displaying the “Mastercard” or “Visa” logo, or to purchase certain 
items  such  as  traveler's  cheques,  foreign  currency,  money  orders,  wire 
transfers,  lottery  tickets,  or  (except  as  noted  below)  funds  to  be  used  for 
wagers  or  gambling  (all  of  which  are  collectively  referred  to  as  “Cash 
Advances”) up to your Credit Limit. 

You  can  also  obtain  a  Cash  Advance  by  writing  a  special  check 
(“Convenience  Check”),  which  accesses  the  available  Cash  Advance  limit 
on  your  Credit  Card  account.    Convenience  Checks  are  available  from  us 
upon  request,  or  we  may  periodically  provide  Convenience  Checks  as  a 
special promotion. If you use a Convenience Check available upon request, 
all of the terms of this Agreement applicable to Cash Advances will apply to 
the Convenience Check.  If we offer a special promotion, we will explain to 
you  any  special  terms  of  the  use  of  the  Convenience  Checks.    The  Cash 
Advance  from  a  Convenience  Check  will  be  posted  to  your  Credit  Card 
account  when  the  Convenience  Check  reaches  us.  The  Convenience 
Check fee described on page 1 of this Agreement will be imposed on each 
Convenience  Check  you  write.  If  you  stop  payment  on  a  Convenience 
Check,  your  Credit  Card  account  will  be  charged  the  fee  shown  in  the 
paragraph of this Agreement called “Other Fees."  

From  time  to  time  we  may  offer  a  special  balance  transfer  promotion, 
which  is  an  opportunity  to  make  a  Cash  Advance  to  pay  the  balance  on 
another loan you have, by transferring the other loan balance to your Credit 
Card account.  If we offer a balance transfer promotion, at that time we will 
explain to you the terms of the promotion.  Unless we tell you otherwise, all 
the  references  in  this  Agreement  to  balance  transfers  will  apply  to  any 
special balance transfer promotion offered. 

Your  Card  may  also  be  used  in  certain  automated  terminals  to  gain 

access to your checking, savings, and Credit Card accounts. 

Your  Card  and  Credit  Card  account  may  be  used  only  for  valid  and 
lawful  purposes.    You  may  not  use  your  Card  (i)  to  make  Purchases  or 
obtain  Cash  Advances  for  any  illegal  transaction,  or  (ii)  for  any  internet  or 
online  gambling  transactions.  Transactions  for  online  or  internet  gambling 
will  not  be  approved.  If  you  use  your  Card  for  any  illegal  or  prohibited 
transaction, this Agreement also applies to such transaction and you agree 
to  pay  any  and  all  amounts  related  to  such  transaction  pursuant  to  the 
terms of this Agreement. We may, in our sole discretion, restrict the use of 
or  terminate  your  Card  if  we  notice  excessive  use  of  your  Card  or  other 
suspicious  activities  or  if  we  reasonably  believe  the  Card  is  or  has  been 
used for one or more illegal or prohibited transactions.  

We  have  no  responsibility  for  the  failure  of  any  machine,  merchant, 
financial  institution,  or  any  other  party  to  honor  your  Card.  If  you  use,  or 
allow  someone  else  to  use  the  Card  or  Credit  Card  account  for  any  other 
purpose,  you  will  be  responsible  for  such  use  and  may  be  required  to 
reimburse us for all amounts or expenses we pay as a result of such use. 
1.  Credit  Limit.  We  will  notify  you  of  your  Credit  Limit  for  each  Credit 
Card account you have with us, which is the total amount of credit we agree 
to  extend  to  you  at  any  one  time.    Your  Credit  Limit  will  also  include  a 
separate  limit  for  Cash  Advances.    Your  Credit  Limit  and  Cash  Advance 
limit  are  listed  on  your  monthly  periodic  statement.    Your  available  Credit 
Limit  is  the  amount  of  your  total  Credit  Limit  minus  the  sum  of  your  New 
Balance,  any  authorized  Purchases,  Cash  Advances  and  Balance 
Transfers  that  have  not  posted  to  your  Account,  and  any  payments  that 
have  not  cleared.    You  may  apply  to  increase  your  Credit  Limit,  and  we 
reserve the right to lower it without prior notice to you.  

You agree that you will not let your total charges, including Purchases, 
Cash Advances, FINANCE CHARGES (including but not limited to interest, 
Foreign  Transaction  Fees,  Cash  Advance,  Balance  Transfer  and 
Convenience  Check  Transaction  Fees),  late  charges,  membership  fees, 
and  other  fees  that  may  be  due  exceed  your  Credit  Limit.  If  you  exceed 
your Credit Limit, you will be considered to have exceeded your Credit Limit 
for all purposes of the Agreement, and we may reduce the available Credit 
Limit of any other Credit Card account you have with us until such time as 
the excess amount is paid. 

You  are  responsible  for  keeping  track  of  your  New  Balance  and  your 
available  Credit  Limit/Revolve  Line.    We  may  but  are  not  required  to 
approve  transactions  above  your  Credit  Limit/Revolve  Line  up  to  a  certain 
percentage of your Credit Limit/Revolve Line which we establish  from time 
to  time  for  you  based  on  our  established  evaluation  criteria.    If  we  do 
approve those transactions, those transactions will not increase your Credit 
Limit/Revolve Line.  You are responsible for repaying all over-limit amounts 
and FINANCE CHARGES will be assessed on those amounts. 

3.  Agreement to Pay.  When you use your Card or Credit Card account, 
or  when  you  permit  anyone  to  use  it,  you  agree to pay the amount of any 
and  all  Purchases  or  Cash  Advances  (including  Purchases  and/or  Cash 
Advances  which  may  have  been  made  in  violation  of  this  Agreement), 
FINANCE  CHARGES  (including  but  not  limited  to  interest,  Foreign 
Transaction  Fees,  Cash  Advance,  Balance  Transfer  and  Convenience 
Check  Transaction  Fees),  late  charges,  membership  fees,  over-limit  fees, 
and other fees that may become due as shown on the periodic statement. If 
we accept a payment from you in excess of your outstanding balance, your 
available  Credit  Limit  will  not  be  increased  by  the  amount  of  the 
overpayment  nor  will  we  be  required  to  authorize  transactions  for  an 
amount in excess of your Credit Limit. 
4.  Periodic  Statement.  Each  month  we  will  send  you  a  periodic 
statement  for  each  Credit  Card  account  you  have  with  us  covering  the 
previous billing period. We may not send you a statement if your balance is 
zero and there were no transactions during the billing period. The statement 
will  have  a  “Statement  Closing  Date”  and  a  “Payment  Due  Date,”  and  will 
show,  among  other  things,  your  “Previous  Balance,”  your  “New  Balance,” 
and your minimum monthly payment, which will be shown as the “Minimum 
Payment  Due.”    The  periodic  statement  is  part  of  this  Agreement.  If  you 
choose to receive periodic statements electronically, the statements will be 
deemed  to  have  been  sent  to  you  when  they  are  first  made  available  for 
you to view online. 
5.  Payment. You must make a payment by the “Payment Due Date.” You 
have two choices: You may pay the entire “New Balance” or you may pay in 
installments by paying at least the “Minimum Payment Due.” All payments 
must be made in the lawful money of the United States of America.  When 
your payment is properly received, we will apply your Minimum Payment as 
permitted  by  law.  If  you  make  a  payment  in  excess  of  the  Minimum 
Payment,  the  excess  amount  will  be  applied  first  to  your  balance  with  the 
highest  ANNUAL  PERCENTAGE  RATE.    Any  remaining  amount  of  your 
excess  payment  will  be  applied  to  the  balance  with  the  next  highest 
ANNUAL  PERCENTAGE  RATE,  and  so  on.  Upon  confirmation  of 
collection,  we  will  add  any  Cash  Advances  or  Purchases  repaid  to  your 
available  Credit  Limit;  however,  in  the  event  of  payment  by  personal  or 
business check, we may delay replenishing your available Credit Limit until 
your check clears.  This means that you may not have access to all or part 
of  the  Credit  Limit  until  we  have  collected  the  funds  by  which  you  have 
made  payment  on  the  account.  If  payments  are  made  by  certified  or 
cashier’s  check,  electronic  funds  transfer,  automated  clearing  house,  or 
other  means  that  provide  immediate  collected  funds,  we  may  waive  the 
right to delay restoration of the Credit Limit. 

Payments must be mailed to the BankCard Center address specified in 
your  statement.  Payments  must  reach  our  BankCard  Center  by  5:00  p.m. 
HST during our regular business days in order to be credited on that date. 
Payments received after the cutoff time of 5:00 p.m. HST will be credited as 
of  the  following  business  day.  If  you  make  a  payment  in  person  at  our 
branches with the assistance of a branch employee prior to regular closing 
time for the branch, the payment will be credited as of the date received.  If 
you  make  a  payment  by  any  means  other  than  by  mail  to  our  BankCard 
Center  (including  payments  made  by  using  FHB  Online),  crediting  of  your 
payment may be delayed. 

From time to time, we may let you skip or reduce one or more monthly 
payments  during  a  year  and/or  we  may  temporarily  reduce  or  eliminate 
certain FINANCE CHARGES on all or a portion of your Credit Card account 
balance or offer you other special terms. If we do, we will advise you of the 
scope and duration of the applicable skip or promotional feature. When the 
skip or promotional feature ends, your regular rates and all the terms of the 
Agreement will resume. 
6.  Minimum  Payment–Late  Charge.  At 
the 
“Minimum  Payment  Due”  must  be  received  by  us  by  the  “Payment  Due 
Date.”  If  it  is  not,  we  may  apply  the  late  charge  shown  on  page  1  (if 
permitted  by  law),  unless  such  charge  would  result  in  an  interest  charge 
greater  than  the  maximum  allowable  by  law,  in  which  case  we  will  only 
charge  the  maximum  allowable  rate.  The  “Minimum  Payment  Due”  will 
include the amount calculated by using the table shown below, and will also 
include any amount past due on your account.  Your statement will include 
the past due amounts as part of the “Minimum Payment Due.” 

the  amount  of 

least 

“New Balance” 
$  0.01 – $24.99 
$25.00 or more 

“Minimum Payment Due” 

Entire “New Balance” 
$25 or 3% of “New Balance”, 
whichever is greater 

7.  When  You  Must  Pay  to  Avoid  Interest  Charges.  There  may  be 
different treatments of interest charges for Purchases and Cash Advances, 
even  though  they  are  computed  the  same  way.  You  may  avoid  paying  an 
interest  charge  on  Purchases  if  you  pay  the  entire  New  Balance  early 
enough  to  reach  us  by  the  Payment  Due  Date.  If  we  do  not  receive  the 
entire  New  Balance  by  the  Payment  Due  Date,  the  interest  charge  will  be 
charged on Purchases from the date of the transaction. Interest charges on 
Cash  Advances  begin  on  the  transaction  date  of  each  Cash Advance and 
will  be  assessed  even  if  your  entire  New  Balance  is  paid  by  the  Payment 
Due Date. 
8.  Computing  Your  Interest  Charge.  We  figure  the  interest  charge  on 
your account by applying the periodic rate to the “Average Daily Balance” of 
Purchases  and  “Average  Daily  Balance”  of  Cash  Advances,  including 
current transactions. 

For security reasons, we may limit the number or amount of Purchase, 
Cash  Advance  and/or  Convenience  Check  transactions  that  may  be 
accomplished  with  your  Card  or  Credit  Card  account.  We  may  also  limit 
authorizations to make Purchases or obtain Cash Advances if we consider 
it  necessary  to  verify  collection  of  Payments  received  on  your Credit Card 
account.  
2.  Temporary Reduction of Credit Limit. Merchants, such as car rental 
companies  and  hotels,  may  request  prior  credit  approval  from  us  for  an 
estimated amount of your Purchases, even if you ultimately do not pay by 
credit. If our approval is granted, your available Credit Limit will temporarily 
be  reduced  by  the  amount  authorized  by  us.  If  you  do  not  ultimately  use 
your Credit Card account to pay for your Purchases or if the actual amount 
of Purchases posted to your Credit Card account varies from the estimated 
amount  approved  by  us,  it  is  the  responsibility  of  the  merchant,  not  us,  to 
cancel the prior credit approval based on the estimated amount. The failure 
of the merchant to cancel a prior credit approval may result in a temporary 
reduction of your available Credit Limit, but will not increase the amount you 
owe us under this Agreement. 
Heritage 2.99                                                                                             Page 2 of 5                                                                          Rev. Date 06/01/20 

a.  Average  Daily  Balance.  To  get  the  “Average  Daily  Balance  of 
Purchases” we take the beginning balance of your Credit Card account 
each day, add any new Purchases, and subtract any unpaid interest or 
other  finance  charges,  Cash  Advances,  payments,  other  credits  that 
were  applied  to  Purchases,  late  charges,  membership  fees,  over-limit 
fees,  and  other  fees.    If  you  paid  the  Purchases  balance  in  full  by  the 
Payment  Due  Date  in  the  previous  billing  cycle,  in  the  current  billing 
cycle we will credit payments otherwise applicable to Purchases based 
on our allocation method as of the first day of the current billing cycle. 
These  computations  give  us  the  Purchases  daily  balance.    To  get  the 
“Average  Daily  Balance  of  Cash  Advances”  we  take  the  beginning 
balance  each  day,  add  any  new  Cash  Advances,  and  subtract  any 
unpaid  interest  or  other  finance  charges,  Purchases,  payments,  other 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
credits that were applied to Cash Advances, late charges, membership 
fees, over-limit fees, and other fees.  This gives us the Cash Advances 
daily balance.  Then we add up all of the Purchases and Cash Advance 
daily balances for the billing period and divide each total by the number 
of  days  in  the  billing  period.    This  gives  us  the  “Average  Daily 
Balances.” 
b.  Figuring the Interest Charge. We compute the interest charge by 
multiplying  these  Average  Daily  Balances  by  the  applicable  Daily 
Periodic Rate, and then we multiply the result by the number of days in 
the  billing  period.  To  determine  the  Daily  Periodic  Rate,  we  divide  the 
ANNUAL  PERCENTAGE  RATE  in  effect  for  the  billing  period  by  365.   
Your  Credit  Card  account  is  made  on  a  Variable  Rate  basis  for 
Purchases, and the ANNUAL PERCENTAGE RATE and Daily Periodic 
Rate  for  Purchases  are  described  in  the  paragraph  of  this  Agreement 
below  called  “Variable  Rate.”  The  Daily  Periodic  Rate  for  Cash 
Advances is a Fixed Rate of .0493%, which is equivalent to an ANNUAL 
PERCENTAGE RATE of 18.00%. 
c.  Variable  Rate.  The  initial  ANNUAL  PERCENTAGE  RATE  for 
Purchases  and  transfers  of  account  balances  you  have  with  another 
creditor  ("Balance  Transfers")  is  a  fixed  promotional  rate  as  shown  on 
page  1  of  this  Agreement  and  will  remain  in  effect  for  your  first  eight 
billing  cycles  following  the  opening  of  your  account  ("Initial  Rate 
Period").  The Daily Periodic Rate for Purchases and Balance Transfers 
during  the  Initial  Rate  Period  is  .0082%.    After  the  Initial  Rate  Period, 
the Daily Periodic Rate for Purchases and Balance Transfers based on 
the Current Index and Rate Spread described below will be .0445% and 
the  corresponding  ANNUAL  PERCENTAGE  RATE  will  be  16.24%.  
After  the  Initial  Rate  Period,  the  ANNUAL  PERCENTAGE  RATE  for 
Purchases and Balance Transfers will change to the current rate shown 
on  page  1  of  this  Agreement.    The  current  Daily  Periodic  Rate  for 
Purchases and Balance Transfers is .0445%.   The Daily Periodic Rate 
and the corresponding ANNUAL PERCENTAGE RATE may change (by 
increasing or decreasing) on the first day of each of your billing cycles 
that  begin  in  March,  June,  September,  and  December.  Each  date  on 
which  the  rate  of  interest  could  change  is  called  a  “Change  Date.” 
Changes  will  be  based  on  changes  in  the  “Index.”  The  Index  is  the 
highest U.S. Prime Rate published in the “Money Rates” section of The 
Wall Street Journal on the last business day of the calendar month prior 
to the month in which the Change Date occurs. The most recent Index 
is called the “Current Index.”  If the Index is no longer available, we will 
choose  a  new  Index  based  upon  comparable  information  and  will  give 
you notice of our choice. Your interest rate for Purchases is based on a 
variable rate equal to the sum of the Current Index plus a “Rate Spread” 
of  12.99  percentage  points.  (The  Rate  Spread  is  also  called  the 
Margin.)  Immediately  before  each  Change  Date  we  will  determine  the 
new  interest  rate  for  Purchases  by  adding  the  Rate  Spread  to  the 
Current  Index.  For  example,  if  the  Current  Index  was  3.25%  and  the 
Rate  Spread  12.99  percentage  points,  the  ANNUAL  PERCENTAGE 
RATE would be  16.24% and by dividing this percentage figure by 365, 
we  would  compute  a  Daily  Periodic  Rate  of  .0445%.  The  new  interest 
rate  for Purchases will become effective at the start of your first billing 
cycle  after  the  Change  Date.  The  ANNUAL  PERCENTAGE  RATE  will 
not  exceed  the  maximum  rate  permitted  by  law.  The  effect  of  any 
increase  in  the  ANNUAL  PERCENTAGE  RATE  and  the  Daily Periodic 
Rate  for  Purchases  would  be  to  increase  the  amount  of  interest  you 
must pay and thus increase your monthly payments. 
d.  Introductory  and  Promotional  Rates.  At  our  discretion,  we  may 
offer you an introductory or promotional ANNUAL PERCENTAGE RATE 
for  your  Credit  Card  account.  For  example,  we  may  offer  you  an 
introductory  ANNUAL  PERCENTAGE  RATE  for  Purchases  when  you 
open  your  Credit  Card  account,  or  a  promotional  ANNUAL 
PERCENTAGE RATE for Balance Transfers. The time period for which 
the introductory or promotional ANNUAL PERCENTAGE RATE applies 
may  be 
introductory  or  promotional  ANNUAL 
PERCENTAGE RATE offer will be subject to the terms of the offer and 
this Agreement, including but not limited to the Penalty APR described 
in the paragraph of this Agreement called “Default”. We will provide you 
with  information  on  the  offer,  including the time period the introductory 
or  promotional  ANNUAL  PERCENTAGE  RATE  is  in  effect  in  the 
documents  that  accompany  your  Credit  Card  or  in  the  materials  we 
send you about the offer after you receive your Credit Card. 
e.  Military Lending Act Disclosures.  Federal law provides important 
protections  to  members  of  the  Armed  Forces  and  their  dependents 
relating  to  extensions  of  consumer  credit.   In  general,  the  cost  of 
consumer  credit  to  a  member  of  the  Armed  Forces  and  his  or  her 
dependent  may  not  exceed  an  annual  percentage  rate  of  36  percent.  
This  rate  must  include,  as  applicable  to  the  credit  transaction  or 
account; the costs associated with credit insurance premiums; fees for 
ancillary  products  sold  in  connection  with  the  credit  transaction;  any 
application fee charged (other than certain application fees for specified 
credit  transactions  or  accounts);  and  any  participation  fee  charged 
(other  than  certain  participation  fees  for  a  credit  card  account).  
Additional oral disclosures are available at 1-877-640-2337. 

limited.  Any 

you  obtained  money  or  information  in  the  case  of  an  automated  terminal 
transaction)  for  fees  due  to  us.  We  reserve  the  right  to  waive  these  fees 
from time to time. If we incur special expenses on your Credit Card account 
due to a request made by you, we may also charge you for these expenses. 

Automated Teller Machine (ATM) Transaction Fees 
(For cards with ATM deposit account access) 

At a First 
Hawaiian ATM 

At a Network ATM 

•  Deposit Account Withdrawal 

  Domestic 
 

International 

•  Balance Inquiry 
•  Checking Account Statement 

  N/C 
  N/A 
  N/C 
 $1.50 

    $3.00 
    $5.00 
    $1.00 
     N/A 

Note:  N/C  =  No  Charge;  N/A  =  Not  Applicable;  Domestic  =  at  an  ATM  in 
Canada, U.S. and its protectorates and territories, including Guam and the 
Commonwealth of the Northern Mariana Islands (CNMI). 

Payable at Time of Request 

•  Mastercard Temporary Replacement Card or Gold Visa 
Temporary Replacement Card issued by Mastercard 
International or Visa Travel Service Center. Temporary 
card is good for approximately one month and cannot be 
used in ATMs. 

 
 

 Domestic Fee: 
International Fee: 

•  Emergency Cash Advance issued by Mastercard 

International or Visa Travel Service Center is limited to 
$1,000 or your available credit limit, whichever is less 

•  Copy of Sales Draft 
•  Research Fee 
•  Statement Copy Fee 
•  Convenience Check Stop Payment Order/Return 

Convenience Check Fee 

$95.00 
$125.00 
$50.00 

$5.00 
$20.00/hour 
$5.00 
$16.00 

•  Listing in Combined Warning Bulletin Per Region 

$10.00 

Payable at Time of Delivery 

•  Replacement Card issued by First Hawaiian Bank 
•  Returned Payment Check (due to insufficient funds, 

stop payment order on your check, etc.) 

$20.00 

Up to $35 

the  right 

13.  Authorizing  Transactions.  We  reserve 
to  decline  a 
transaction  on  your  account  for  any  reason,  including  but  not  limited  to 
operational  considerations,  your  account  being  in  default,  or  we  suspect 
fraudulent  or  unlawful  activity.    We  are  not  responsible  for  any  losses 
incurred if a transaction on your account is declined for any reason, either 
by us or a third party, even if you have sufficient credit available. 
14.  Credit  Insurance  is  Optional.  If  you  choose  to  purchase  credit 
insurance, the premiums will be computed on the Average Daily Balance of 
Purchases and Cash Advances, including finance and other charges, up to 
$5,000. The cost for credit insurance is 65¢ per $100 of your average daily 
balance of Purchases and Cash Advances. During months when you have 
no  balances, there is no charge.  Credit  insurance premiums will be added 
to your Credit Card account as Purchases. 
15.  Default.  We  may  declare  the  entire  balance  for  all  Credit  Card 
accounts due and payable at once with or  without notice or demand if any 
of these events (“Default”) happens: 

a. 

 If you miss a payment under this Agreement or any other obligation 
 you owe us; or  
 If you violate any terms of this Agreement. 

b. 
If you are in Default, we may terminate your Credit Card account, make 
no  more  additional  loans  or  advances,  and  require  you  to  immediately 
repay  the  entire  unpaid  balance  of  all  amounts  due  on  your  Credit  Card 
account,  including  but  not  limited  to  all  loan  amounts,  late  charges  and 
other  charges  assessed  but  not  paid,  and  all  of  the  FINANCE  CHARGES 
accrued  but  not  paid.  If  we  terminate  your  Credit  Card  account,  your 
obligation to repay the amounts you already owe us would continue.   

At our option, we may also take action short of terminating your Credit 
Card  account.  If your required Minimum Payment (shown on your periodic 
statement as “Minimum Payment Due”) is not received within 60 days of the 
payment  due  date,  we may increase your ANNUAL PERCENTAGE RATE 
for Purchases and Cash Advances and any applicable promotional rates to 
a  .0493%  Daily  Periodic  Rate  and  an  ANNUAL  PERCENTAGE  RATE 
(“Penalty APR”) of 18.00% fixed for the entire outstanding balance. We will 
send you advance written notice that your ANNUAL PERCENTAGE RATE 
will  be  increasing.    Your  payments  under  this  Agreement,  including  the 
amount of the FINANCE CHARGE, will increase as a result of the increase 
in  your  Daily  Periodic  Rate  and  ANNUAL  PERCENTAGE  RATE,  and  any 
such  increase  in  your  Daily  Periodic  Rate  and  ANNUAL  PERCENTAGE 
RATE will be shown on your periodic statement. We will reinstate your Daily 
Periodic  Rate  and  ANNUAL  PERCENTAGE  RATE  to  the  rate  set  forth  in 
this  Agreement  once  you  have  made  six  consecutive  Minimum  Payments 
on  or  before  the  due  date,  starting  with  the  first  billing  cycle  after  the 
Penalty APR is imposed. If we take such lesser action initially, we reserve 
the right to terminate your Credit Card account and accelerate all amounts 
due under this Agreement regardless of whether any additional events have 
occurred that would permit termination and acceleration. 
16.  Automated Terminal Services Involving Your Checking or Savings 
Account.  (Some  of  these  services  are  only  available  if  your  Credit  Card 
account is linked to your checking or savings account with us.) 

9.  Minimum  Interest  Charge.    If  the  interest  charge  for  all  balances  on 
your  Credit  Card  account  is  less  than  $1.00,  we  will  charge  you  the 
Minimum  Interest  Charge  shown  on  page  1.    This  charge  is  in  lieu  of  any 
interest charge. 
10.  Foreign Transaction Fee.  If you make a Purchase or Cash Advance 
in a foreign currency, it will be billed to you in U.S. dollars.  You will be billed 
the foreign transaction fee for these Purchases and Cash Advances made 
in  foreign  currency  in  the  amount  shown  on  page  1.    This  fee,  which  is  a 
FINANCE CHARGE, is not a foreign currency conversion charge and is not 
based on our exchange cost. 
11.  Other  Transaction  Fees.    We  will  charge  your  Credit  Card  account 
when  appropriate  the  Cash  Advance  and  Convenience  Check  fees  shown 
on page 1, each of which are FINANCE CHARGES. Each of these fees will 
be added to your Credit Card balance when charged. 
12.  Other Fees. You also agree to pay us the appropriate fees listed below 
and shown on page 1, which may be amended from time to time by us. You 
authorize us to charge your Credit Card account (or the account from which 
Heritage 2.99                                                                                             Page 3 of 5                                                                          Rev. Date 06/01/20 

ii.  Any  other  automated  teller  machine  (including  any  ATM  we 
may own besides First Hawaiian ATM) that is participating in a 
network and accepts our Card (“Network ATM”) and 

a.  Automated  Terminals.  You  may  use  your  Card  in  the  following 
automated terminals.  

i.  Our  First  Hawaiian automated teller machines (“First Hawaiian 

that  accepts  our  Card  (“POS 

iii.  Any  point-of-sale 

terminal”). 

terminal 

ATM”). 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
b.  Services Available at an Automated Terminal. 

i.  You may use your Card at a First Hawaiian ATM to: 

•  Withdraw cash from your checking or savings account. 
•  Make deposits to your checking or savings account. 
•  Move 

funds  between  your  checking  and  savings 

accounts. 

•  Get  your  checking,  savings,  or  Credit  Card  account 
balances.  These  balances  may  not  include  some 
transactions recently made in your account. 

•  Move  funds  from  your  Credit  Card  account  to  your 

checking account. 

•  Get a Cash Advance from your Credit Card account. 
•  Get  an 

interim  statement  printout  of  all  posted 
transactions  on  your  checking  account  since  the  last 
regular  statement  period  up  to  the  previous  business 
day. 

ii. 

 You  may  use  your  Card  at  any  Network  ATM  to:  (Some  of 
these services may not be available at all Network ATMs.) 

•  Withdraw cash from your checking or savings account. 
•  Get a Cash Advance from your Credit Card account. 
•  Get  your  checking,  savings,  or  Credit  Card  account 
balances.  These  balances  may  not  include  some 
transactions recently made in your account. 

iii. 

 You may use your Card at a POS terminal to purchase certain 
merchandise.  The  amount  of  your  purchase  will  automatically 
be charged to your Credit Card account as a Purchase. 

c.  Limits of Automated Terminal Services. 

i.  Withdrawals and Cash Advances. You may withdraw cash or 
get  a  Cash  Advance  from  a  First  Hawaiian  ATM  up  to  an 
aggregate  amount  of  $500  each  calendar  day,  provided  that 
this amount does not exceed your available account balance or 
Credit  Limit.  This  amount  may  be  less  for  cash  withdrawals 
and Cash Advances from Network ATMs. 

You authorize us to charge any withdrawal by use of your 
Card  to  your  checking  account  or  savings  account  as  though 
you had specifically signed a withdrawal authorization. If there 
are insufficient funds in an account to cover such a withdrawal, 
you  agree  that  we  may  treat  the  amount  of  such  withdrawal 
either  as  a  Cash  Advance  or  as  an  overdraft  that  you  will  be 
obligated to pay us on demand. 

ii.  Deposits. You may deposit up to $50,000 per transaction using 
a  First  Hawaiian  ATM.  All  deposits  made  with  your  Card  and 
placed in a First Hawaiian ATM are subject to receipt by us on 
opening  the  First  Hawaiian  ATM  and  verification  of  the  items 
and the amounts. 

iii.  Moving  Funds.  You  may  move up to $50,000 per transaction 
between  your  checking  account  and  savings  account  or  from 
your  Credit  Card  account  to  your  checking  account  using  a 
First Hawaiian ATM. 
. 

iv. 

d.  Fees for Using Automated Terminal Services. The fees for using 
certain  automated  terminal  services  are  disclosed  in  the  paragraph  of 
this Agreement called “Other Fees.” 
e.  Card and Secret Code Use. You are responsible for all transactions 
in which you use your Card in an automated terminal, or the use of the 
Card by anyone else who uses it with your permission. Security in use 
of  the  Card  is  provided  by  the  secret  code,  which  we  will  provide  you, 
and the magnetically encoded stripe on the Card. Please keep the Card 
safe  and  also  protect  the  secret  code.  Use  the  Card  and  the  secret 
code  as  instructed  at  all  times.  Please  notify  us  of  any  mechanical  or 
operating failure in connection with the use of your Card. Do not permit 
anyone else to use your Card and do not disclose your secret code or 
record  it  on  the  Card.  The  Card  remains  the  property  of  the Bank and 
can be revoked and repossessed at any time. You must return it to us 
when asked. 
f.  Time  of  Transaction.  All  transactions  are  subject  to  the  time 
necessary for us to process them. Any transaction made on a holiday or 
after  regular  banking  hours  may  be  held  by  us  until  the  next  business 
day. Any transaction involving an account or matter located at any other 
office  of  the  Bank  is  subject  to  receipt  at  the  other  office and the time 
necessary to process it. 
g.  Documentation of Transfers. 

i.  Terminal  Transfers.  You  can  get  a  receipt  at  the  time  you 
make  any  transfer  at  a  First  Hawaiian  ATM, Network ATM, or 
POS terminal. 

ii.  Periodic Statements. If you have a checking account, you will 
get  a  monthly  checking  account  statement.  If  you  have 
arranged  for  electronic  access  to  your  savings  account,  you 
will  get  a  quarterly  savings  account  statement.  However,  if 
there  are  any  transfers  in  a  particular  month,  you  will  get  a 
savings statement that month, as well. 

h.  In Case of Errors or Questions About Your Electronic Transfers 
Involving  Your  Checking  or  Savings  Account.  Call  or  write  to  us at 
the  telephone  number  and  address  stated  in  the  paragraph  of  this 
Agreement  called  “Where  to  Call  or  Write”  as  soon  as  you  can  if  you 
think your statement or receipt is wrong or if you need more information 
about a transfer listed on the statement or receipt. We must hear from 
you no later than 60 days after we sent you the first statement on which 
the  problem  or  error  appeared.  When  reporting  an  error  or  requesting 
more information: 

i.  Tell us your name and account number. 
ii.  Describe  the  error  or  the  transfer  you  are  unsure  about,  and 
explain as clearly as you can why you believe it is an error or 
why you need more information. 

iii.  Tell us the dollar amount of the suspected error. 
If you tell us orally, we may require that you send us your complaint 
or  question  in  writing  within  10  business  days.  We  will  determine 
whether  an  error  occurred  within  10  business  days  after  we  hear  from 
you and will correct any error promptly.  

We  will  tell  you  the  results  of  our  investigation  within  10  business 
days  after  we  hear  from  you  and  will  correct  any  error  promptly.  If  we 
need  more  time,  however,  we  may  take  up  to  45  days  to  investigate 
your complaint or question. If we decide to do this, we will re-credit your 
account within 10 business days for the amount you think is in error, so 
that  you  will  have  the  use  of  the  money  during  the  time  it  takes  us  to 
complete  our  investigation.  If  we  ask  you  to  put  your  complaint  or 
question in writing and we do not receive it within 10 business days, we 
may not re-credit your account. 

We  will  tell  you  the  results  within  three  business  days  after 
completing  our  investigation.  If  we  determine  that  there  was  no  error, 
we  will  send  you  a  written  explanation.  You  may  ask  for  copies  of 
documents that we used in our investigation. 
i.  Our  Liability  for  Failure  to  Make  Transfers.  If  we  do  not  properly 
complete  a  transfer  to  or  from  your  account  on  time  or  in  the  correct 
amount according to our agreement with you, we will be liable for your 
losses  or  damages.  However,  there  are  some  exceptions.  We  will  not 
be liable, for instance: 

i. 

ii. 

iii. 

iv. 

v. 

vi. 

If,  through  no  fault  of  ours,  you  do  not have enough money in 
your account to make the transfer; 
If  the  transfer  would  go  over  the  credit  limit  on  your  overdraft 
line; 
If  the  automated  terminal  where  you  are  making  the  transfer 
does not have enough cash; 
If  the  automated  terminal  was  not  working  properly  and  you 
knew about the breakdown when you started the transfer; 
If  circumstances  beyond  our  control  (such  as  fire  or  flood) 
prevent  the  transfer,  despite  reasonable  precautions  we  have 
taken; or 
If  your  account  does  not  contain  enough  money  because  we 
have placed a hold on some items or the account is subject to 
legal process. 

vii.  There may be other exceptions. 

j.  Disclosing  Account  Information  to  Third  Parties.  We  may 
disclose information to third parties about your account or the transfers 
you make: 

i.  Where it is necessary for completing transfers; 
ii. 

In order to verify the existence and condition of your account for 
a third party, such as a credit bureau or merchant; 
In order to comply with government agency or court orders; or 
If you give us your written permission. 

iii. 
iv. 

17.  ATM  Safety.  It  is  important  to  be  aware  of  your  surroundings  when 
using an ATM, especially at night. When you are using an ATM, you should 
secure any cash you withdraw before leaving the ATM. If you need to use 
an ATM at night, consider taking someone you know with you, and only use 
an ATM that is well-lit and unobstructed from view.  If anything appears to 
be  suspicious,  do  not  use  the  ATM.  Always  call  911  in  the  event  of  an 
emergency or to report any suspicious activity. If you have any questions or 
comments about the safety of any of our ATMs, please call us on Oahu at 
(808)  844-4444  or  1-888-844-4444  from  the  neighbor  islands,  Guam,  the 
CNMI or Continental U.S. 
18.  Lost or Stolen Card; Your Liability for Unauthorized Use. Tell us at 
once  if  you  believe  your  Card  has  been  lost  or  stolen.  Telephoning  is  the 
best way of keeping your possible losses down. 

a.  Unauthorized  Use  as  Credit  Card.  You  may  be  liable  for  the 
unauthorized use of your Card as a credit card. You will not be liable for 
unauthorized  use  of  your  Card  as  a  credit  card  that  occurs  after  you 
notify us at the telephone number or address stated in the paragraph of 
this  Agreement  called  “Where  to  Call  or  Write,”  orally  or  in  writing,  of 
loss,  theft,  or  possible  unauthorized  use.  In  any  case,  your  liability  for 
unauthorized use of your Card as a credit card will not exceed $50. 
b.  Unauthorized Use in Automated Terminals. 

i. 

ii. 

iii. 

If  you  tell  us  within  two  business  days,  you  can  lose  no  more 
than $50 if someone used your Card at an automated terminal 
without your permission. 
If you do not tell us within two business days after you learn of 
the loss or theft of your Card and we can prove that if you had 
told us, we could have stopped someone from using your Card 
at  an  automated  terminal  without  your  permission,  you  could 
lose as much as $500. 
If  you  do  not  notify  us  at  all,  you  could  lose  all  the  money  in 
your  checking  and  savings  accounts  plus  your  maximum 
overdraft line of credit. 

iv.  Also, if your statement shows transfers that you did not make, 
tell  us  at  once.  If  you  do  not  tell  us  within  60  days  after  the 
statement was mailed to you, you may not get back any money 
you  lost  after  the  60 days if we can prove that we could have 
stopped someone from taking the money if you had told us in 
time. 
If a good reason (such as a long trip or a hospital stay) kept you 
from telling us, we will extend the time periods. 

v. 

19.  Where  to  Call  or  Write.  If  you  believe  your  Card  has  been  lost  or 
stolen  or  that  someone  has  transferred  or  may  transfer  money  from  your 
account  or  otherwise  use  your  Card  or  Credit  Card  account  without  your 
permission,  call:  (808)  847-4444  on  Oahu;  neighbor  islands,  Guam, 
Commonwealth of the Northern Mariana Islands (CNMI), or Continental U.S 
call  1-800-342-2778  or  write  to:  First  Hawaiian  Bank,  BankCard  Security 
Department, P.O. Box 1959, Honolulu, Hawaii 96805. 
20.  Our  Business  Days.  Our  business  days  are  Monday  through  Friday, 
except for bank holidays. 
21.  Credit Investigation and Disclosure. You authorize us, both now and 
in  the  future,  to  check  your  credit  and  employment  history  and  to  release 
information  about  our  credit  experience  with  you  in  response  to  legitimate 
credit  inquiries.  If  you  believe  that  we  have  incorrect  information  or  have 
reported inaccurate information about you to a credit bureau, please call us 
at (808) 847-4444 (Oahu) or call toll-free at 1-800-342-2778. 
22.  Security Interest. We have no security for any amounts which become 
due  under  this  Agreement  unless  you  have  given  us  a  specific  security 

Heritage 2.99                                                                                             Page 4 of 5                                                                          Rev. Date 06/01/20 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
interest  in  connection  with  the  Agreement,  which  is  described  on  the 
Security Agreement Supplement to this Agreement. 
23.  Collection.  You  promise  to  pay  all  collection  costs,  including,  without 
limitation, mailing and delivery charges, reasonable lawyers’ fees and court 
costs at trial and on appeal, all as permitted by law. 
24.  If There are More Than One of You. Each of you individually, or all of 
you  together  will  be  liable  under  this  Agreement.  We  may  collect  from  or 
sue any one of you, or make any settlements or extensions with any one of 
you,  without  giving  up  our  rights  against  the other(s). You understand that 
any  one  of  you  can  make  Purchases  or  get  Cash  Advances  under  this 
Agreement which will be binding upon all of you 
25.  No  Waiver  of  Rights.  If  we  choose  to  waive  any  of  the  terms  or 
conditions  of  this  Agreement  on  a  case-by-case  basis,  such  as  by  not 
declaring the entire balance due when the minimum monthly payment has 
not been made on time, it does not mean that we have waived, or given up, 
our right to exercise any of our rights or remedies under this Agreement in 
the  future.  We  are  not  required  to  use  any  particular  kind  of  demand  or 
notice  in  order  to  collect  amounts  due  to  us  under  this  Agreement.  No 
indulgence  or  acceptance  by  us  of  delinquent  or  partial  payments 
constitutes a waiver of our rights or of any provision of this Agreement. No 
waiver  of  any  existing  default  shall  be  deemed  to  waive  any  subsequent 
default. 
26.  Changing Terms. We can change, add to, delete or otherwise modify 
the  terms  of  this  Agreement  at  any  time  in  any  way  permitted by law. We 
will  send  you  advance  notice  of  any  change  to  this  Agreement.  If  the 
change affects use of your Card in an automated terminal, we will give you 
advance  notice  of  the  change  unless  the  change  has  to  be  made 
immediately  for  security  reasons.  A  notice  of  change  we  send  you  will 
describe any right you have to opt out of a particular change, if any, and will 
describe whether a particular change affects your outstanding balance.  We 

do  not  have  to  send  notice  of  the  change  if  it  favors  you,  such  as  by 
reducing rates, increasing the maximum Credit Limit, etc. 
the  right  to  cancel  this 
27.  Canceling  this  Agreement.  We  have 
Agreement at any time by sending a notice to any one of you in writing. You 
also have the same right to cancel this Agreement at any time by sending 
us  a  notice  in  writing.  If  this  Agreement  is  canceled  by  you  or  us,  your 
obligation  to  repay  amounts  you  already  owe  under  this  Agreement  would 
continue, and you must return your Card to us. 
28.  Other Agreements. Use of your Card is subject to the terms of existing 
regulations  governing  deposit  accounts  and  other  agreements  and 
disclosures for your checking, savings, and Credit Card accounts, and any 
future changes. 
29.  Governing  Law.  This  Agreement  will  be  governed  by  the  laws  of  the 
State  of  Hawaii,  and,  as  applicable,  federal  law,  regardless  of  where  the 
Purchases  or  Cash  Advances  are  made,  and  you  agree  that  any  legal 
action  that  may  be  filed  by  you  elsewhere  will  be  transferred  to  an 
appropriate court in Hawaii if we decide that we want it to be transferred.  
30.  Monitoring/Recording Telephone Calls. Our supervisory personnel 
may listen to and record your telephone calls to us for the purpose of 
monitoring and improving the quality of service you receive. 
31.  Emergency Situation. In the event of an emergency situation beyond 
our reasonable control, such as an "act of God," war, fire, or natural 
disaster, services involving your account could be available only in a 
modified or reduced form or could be entirely unavailable. Unless expressly 
prohibited by applicable law, you agree that we will have no liability to you 
for such modification, reduction, or unavailability of services caused by an 
emergency situation. 

YOUR BILLING RIGHTS: Keep This Notice for Future Use 

This notice tells you 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: 

First Hawaiian Bank 
P.O. Box 1959 
Honolulu, Hawaii 96805 

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.  Within  30  days  of  receiving  your  letter, we must tell you that we 
received  your  letter.    We  will  also  tell  you  if  we  have  already 
corrected the error. 

2.  Within 90 days of receiving your letter, we must either correct the 

error or explain to you why we believe the bill is 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. 

• 

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.  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 

the  purchase.  
Purchases  made  with  cash  advances  from  an  ATM  or  with  a 
check that accesses your credit card account do not qualify. 

for 

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: 

First Hawaiian Bank  
P.O. Box 1959  
Honolulu, Hawaii 96805 

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. 

Heritage 2.99                                                                                             Page 5 of 5                                                                          Rev. Date 06/01/20