SHELL VACATIONS CLUB VISA® CREDIT CARD AGREEMENT  
(Personal Accounts) 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

18.00% Fixed 

APR for Cash Advances  18.00% Fixed 

Penalty APR and When 
it Applies 

18.00% Fixed 
       This APR may be applied to your Credit Card 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. 

Paying Interest 

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. 

For Credit Card Tips  
from the Federal  
Reserve Board 

Minimum Interest 
Charge 

To learn more about factors to consider when applying for or using a credit card, visit the website 
of the Federal  Reserve Board at http://www.federalreserve.gov/creditcard. 

If you are charged interest, the charge will be no less than $1.00. 

Fees 

Annual Fee 

$39 

Transaction Fees 
•  Foreign Transaction  
•  Convenience Check 
•  ATM Cash Advance 
•  Over-the-counter  
   Cash Advance  

Penalty Fees 
•  Late Payment 
•  Over Credit Limit 
•  Returned Payment 

2.5% of the U.S. Dollar amount of any Purchase or Cash Advance made in a foreign currency 

Either $5 or 3% of the amount of each check, whichever is greater (maximum fee $50) 

Either $3 or 3% of the amount of each Cash Advance, whichever is greater (maximum fee $50) 

Either $5 or 3% of the amount of each Cash Advance, whichever is greater (maximum fee $50) 

Up to $35  

Up to $15 (if you opt-in) 

Up to $35 

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. 

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. 

SHELVISA 

Page 1 of 5                                                            Rev. Date 04/01/11 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
This Agreement will cover any standard Visa® or Platinum Visa account 
(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 standard Visa or Platinum Visa card (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  “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 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.  
2.  Special  Shell  Vacations  Provisions.  In  addition  to  the  other  terms 
and  conditions  of  this  Agreement,  the  special  provisions  in  this  paragraph 
apply  to  your  Card.  The  Shell  Vacations  Loyalty  Program  is  the  rewards 
program  established  and  maintained  by  Shell  Vacations,  LLC  (“Shell 
Vacations”).  Shell  Vacations  will  maintain  an  account  for  the  Primary 
Cardholder  (defined  below)  to  keep  track  of  “SVC  Loyalty  Points”  earned 
through the use of your Card. By requesting the Card, you have authorized 
us  to  report  to  Shell  Vacations  the  number  of  SVC  Loyalty  Points,  if  any, 
that  you  earned  and  the  dollar  amount  of  your  Purchases  eligible  to  earn 
SVC  Loyalty  Points,  along  with  the  Primary  Cardholder's  name  and 
address. The "applicant" shown on your application or request for the Card 
is considered the "Primary Cardholder." 

a.  Accumulation  of  SVC  Loyalty  Points.  The  Primary  Cardholder 
will  receive  one  (1)  “SVC  Loyalty  Point”  for  every  $1.00  of  Purchases 
made  using  the  Card.  Cash  Advances,  cash  equivalents  (such  as  the 
purchases  of  traveler’s  checks  or  cashier’s  checks),  balance  transfers 
from  other  accounts,  annual  fees  and  other  Card-related  fees  do  not 
earn  SVC  Loyalty  Points.  Any  credit  on  your  Credit  Card  account 
because  of  a  return  of  goods  or  for  any  other  reason  will  result  in  a 
corresponding  deduction  of  SVC  Loyalty  Points  from  the  account 
maintained by Shell Vacations. SVC Loyalty Points will only be awarded 
if your Credit Card account is open and not delinquent on the statement 
billing date. This means that if your Credit Card account is either closed 
or delinquent on the statement billing date, the Primary Cardholder will 
not  earn  any  SVC  Loyalty  Points  even  if  you  made  Purchases  during 
the  billing  period  with  your  Card.  Maximum  points  that  can  be  earned 
each  calendar  year  are  72,000  for  Standard  Cards  and  100,000  for 
Platinum Cards. 
b.  Expiration of SVC Loyalty Points. SVC Loyalty Points will expire 
at the end of the quarter of the fourth (4th) year after they are earned. 
For  example,  SVC  Loyalty  Points  earned  February  1,  2009  will  expire 
March  31,  2013.  SVC  Loyalty  Points  redeemed  and  expired  SVC 
Loyalty Points will be based on a first-in, first-out process. 
c.  Redemption  of  SVC  Loyalty  Points.  All  SVC  Loyalty  Points  are 
redeemed  in  accordance  with  the  terms  and  conditions  of  Shell 
Vacations’  Loyalty  Program.  If  your  Credit  Card  account  is  closed  for 
any  reason  by  you  or  us,  or  this  Agreement  is  canceled  by  you  or  us, 
you  will  forfeit  any  and  all  accumulated  SVC  Loyalty  Points  as  of  the 
date the Credit Card account is closed or the Agreement is canceled. If 
your  Credit  Card  account  is  delinquent on the date of redemption, you 
cannot  redeem  SVC  Loyalty  Points  until  your  Credit  Card  account  is 
current.  To  redeem  SVC  Loyalty  Points,  you  must  contact  Shell 
Vacations at 1-866-782-5702.  
d.  Program  Termination  or  Changes.  Shell  Vacations  has  the  right 
to  change  the  terms  and  conditions  of  the  Shell  Vacations  Loyalty 
Program.  This  means  Shell  Vacations  may  change,  among  other 
things,  the  rules  regarding  redemption  of  SVC  Loyalty  Points,  benefits 

or  SVC  Loyalty  Point  levels,  in  whole  or  in  part,  at  any  time  with  or 
without prior notice, even though changes may affect your ability to use 
accumulated SVC Loyalty Points.  
  We also have the right to add or delete benefits and services to your 
Credit Card account at any time without prior notice. 

3.  Credit Limit. We will notify you of the Credit Limit for your Credit Card 
account.  You  agree  that  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, 
over-limit fees, and other fees that may be due will not exceed your Credit 
Limit.  

We  will  decline  any  transaction  that  causes  you  to  go  over  your  Credit 
Limit unless you have agreed in advance to pay the over-limit fee.  Even if 
you  do  not  agree  to  pay  the  over-limit  fee,  there  may  be  some  situations 
that will cause your account to go over the Credit Limit and you will remain 
responsible  to  repay  all  over-limit  amounts.    If  your  account  is  over  the 
Credit  Limit,  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 
repaid.  If  you  agree  to  pay  the  over-limit  fee,  this  does  not  mean  we  will 
always approve transactions that exceed your Credit Limit.  If you agree to 
pay  the  over-limit  fee,  we  may  impose  an  over-limit  fee  in  the  amount 
shown  on  page  1  for  the  first  billing  cycle  when  you  exceed  your  Credit 
Limit.  If  your  Credit  Card  account  remains  over  the  Credit  Limit  in 
subsequent  billing  cycles  for  the  same  over-limit  transaction(s),  an  over-
limit  fee  may  be  imposed  in  each  of  the  next  two  billing  cycles.  You  may 
cancel  your  Agreement  to  pay  the  over-limit  fee  at  any  time  by contacting 
us. 

You may apply to increase your Credit Limit, and we reserve the right to 
lower it at any time. Only a portion of your Credit Limit is available for Cash 
Advances.  Your  Credit  Limit  and  Cash  Advance  limit  are  listed  on  your 
monthly periodic statement.  If you exceed that limit, you will be considered 
to have exceeded your Credit Limit for all purposes of this Agreement. For 
security  reasons,  we  may  limit  the  number  or  amount  of  Purchase,  Cash 
Advance  and/or  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.  
4.  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  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. 
5.  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 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. 
6.  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  “Minimum 
Payment Due.”  The periodic statement is part of this Agreement. 
7.  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  day  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.  

SHELVISA 

Page 2 of 5                                                            Rev. Date 04/01/11 

 
 
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. 
8.  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  that  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 

9.  When  You  Must  Pay  to  Avoid  Interest  Charges.  There  may  be 
different treatments of the Purchases and Cash Advance interest charges, 
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 advance and will be 
assessed  even  if  your  entire  New  Balance  is  paid  by  the  Payment  Due 
Date.  
10. 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.  

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  Cash  Advances, 
payments,  or  other  credits  which  were  applied  to  Purchases,  unpaid 
FINANCE  CHARGES,  late  charges,  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  Purchases,  payments  or  other  credits 
which  were  applied  to  Cash  Advances,  unpaid  FINANCE  CHARGES, 
late  charges,  over-limit  fees,  and  other  fees.  This  gives  us  the  Cash 
Advances daily balance. Then we add up all of the Purchases or 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  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.  The 
Platinum  and  Standard  Visa  Card  accounts  for  Purchases  and  Cash 
Advances are made on a Fixed Rate basis with the Daily Periodic Rate 
of  .0493%,  which  is  the  equivalent  of  an  ANNUAL  PERCENTAGE 
RATE of 18.00%. 
Introductory  and  Promotional  Rates.  At  our  discretion,  we  may 
c. 
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.  

limited.  Any 

11. 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 
12. 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 conversion charge and is not based on 
our exchange cost. 
13. Annual Membership Fees. You agree to pay a non-refundable annual 
membership  fee,  whether  or  not  you  use  your  Credit  Card  account.  The 
Annual  membership  fee  for  a  Standard  Visa  and  a  Platinum  Visa  Card  is 
shown  on  page 1. The fee will be charged on a periodic statement shortly 
after you open your Credit Card account and after that in the same month 
every year.  We reserve the right to waive all or a portion of the annual fee. 
14. 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. 
15. 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 for fees due to us. We reserve the 
right to waive these fees from time to time. If we incur special expenses on 

your  account  due  to  a  request  made  by  you,  we  may  also  charge  you  for 
these  expenses.  When  you  use  an  ATM  not  owned  by  us,  you  may  be 
charged a fee by the ATM operator or any network used (and you may be 
charged  a  fee  for  a  balance  inquiry  even  if  you  do  not  complete  a  fund 
transfer). We cannot waive these fees. 

Automated Teller Machine (ATM) Transaction Fees 
(For cards with ATM deposit account access) 

• Balance Inquiry 

At a Network ATM 
$  .75 

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  

Payable at Time of Request 

•  Platinum Visa Temporary Replacement Card 

issued by 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 Visa Travel 

Service is limited to $1,000 or your available credit 
limit, whichever is less. 

•  Copy of Sales Draft 
•  Research & Copy Fee 
•  Statement Copy Fee 
•  Convenience Check Stop Payment Order / Return 

Convenience Check Fee 

$  95.00 
$125.00 
$  50.00 

$    5.00 
$  20.00/hr. 
$    5.00 
$  16.00 

•  Listing in Combined Warning Bulletin per region 

$  10.00 

Note: Domestic = at an ATM in Canada, U.S. and its protectorates and 
territories.  

the  right 

16. 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. 
17. Credit  Insurance  is  Optional.  If  you  choose  to  purchase  optional 
credit  insurance,  the  premiums  will  be  computed  on  the  Average  Daily 
Balance  of  Purchases  and  Cash  Advance,  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. 
18. 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: 

If you miss a payment under this Agreement or any other obligation 

If you violate any term of this Agreement. 

loans  or  advances,  and  require  you 

If  you  are  in  Default,  we  may  terminate  your  Credit  Card  account, 
make  no  more  additional 
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 
CHARGE  accrued  but  not  paid.  If  we  terminate  your  Credit  Card  account, 
your obligation to repay the amounts you already owe us will continue.  

the  payment  due  date,  we  may 

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 
increase  your  ANNUAL 
days  of 
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% 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. 
19. Automated  Terminal  Services.  (Some  of  these  services  are  only 
available  if  your  Credit  Card  account  is  linked to your checking or savings 
account with us.) 

a.  Automated  Terminals.  You  may  use  your  Card  in  the  following 
automated terminals.  

i.  Any  automated  teller  terminal  that  is participating in a network 

and accepts our Card (“Network ATM”) and  

ii.  Any  point-of-sale 

terminal 

that  accepts  our  Card  (“POS 

terminal”). 

b.  Services Available at an Automated Terminal. You may use your 
Card  at  any  Network  ATM  to  (some  of  these  services  may  not  be 
available at all Network ATMs): 

i.  Get a Cash Advance from your Credit Card account up to your 
available credit limit. Network ATMs may have different limits. 

ii.  Get  your  Credit  Card  account  balances.  These  balances  may 

not include some transactions recently made in your account.  

a. 
you owe us; or 
b. 

SHELVISA 

Page 3 of 5                                                            Rev. Date 04/01/11 

 
 
  
 
 
 
 
 
 
 
 
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.  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  your  Card  by  anyone  else  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 our property and 
can be revoked and repossessed at any time. You must return it to us 
when asked. 
d.  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. 
e.  Documentation of Transfers. 

i.  Terminal  Transfers.  You  can  get  a  receipt  at  the  time  you 

make any transfer at any Network ATM or POS terminal. 

20. 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. 

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 
which 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. 
21. 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:  1-800-342-2778  or  write 
to:  First  Hawaiian  Bank, 
BankCard Security Department, P.O. Box 1959, Honolulu, Hawaii 96805. 
22. Our  Business  Days.  Our  business  days  are  Monday  through  Friday, 
except for bank holidays. 
23. Credit  Investigation  and  Disclosure;  Credit  Report  Inquires.  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 1-800-342-2778 
24. Security Interest. We have no security for any amounts which become 
due  under  this  Agreement,  unless  you  have  given  us  a  specific  security 
interest in connection with this Agreement, which is described on the  

Security Agreement Supplement to this Agreement. 
25. 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. 
26. 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. 
27. 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. 
28. 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  a  notice  of  the  change  if  it  favors  you,  such  as  by 
reducing rates, increasing the maximum Credit Limit, etc. 
29. Canceling  this  Agreement.  We  have 
the  right  to  cancel  this 
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. 
30. Other Agreements. Use of your Card is subject to the terms of existing 
regulations  governing  other  agreements  and  disclosures  for  your  Credit 
Card accounts, and any future changes. 
31. Governing  Law.  This  Agreement  will  be  governed  by  the  laws  of  the 
State of Hawaii, without giving effect to Hawaii’s choice of law or conflict of 
law  principles,  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. 
32. Monitoring/Recording  Telephone  Calls.  Our  supervisory  personnel 
may  listen  to  and  record  your  telephone  calls  to  us  for  the  purpose  of 
receive.
monitoring  and 

the  quality  of  service  you 

improving 

YOUR BILLING RIGHTS: Keep This Notice for Future Use  
This notice tell 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 

• 

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. 

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. 

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. 

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/revolve 

line. 

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  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: 

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. 

SHELVISA 

Page 4 of 5                                                            Rev. Date 04/01/11 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Pricing Information Addendum 

Shell Vacations Club Visa® Credit Card Agreement 

(Personal Accounts)        

We are required by federal law to provide this summary of the pricing information contained in this Agreement.  
The information below is current as of 04/01/11 and is subject to change after that date.  To obtain updated 
information, please contact us at BankCard Center, P.O. Box 1959, Honolulu, Hawaii, 96805. 

Annual Percentage Rate (APR) 
for Purchases 
APR for Cash Advances 

18.00% Fixed   
18.00% Fixed 

Interest Rates and Interest Charges 

Daily Periodic Rates 

Penalty APR and When it 
Applies 

How to Avoid Paying Interest  
(Grace Period) 

Purchases: .0493%  
Cash Advances: .0493% 

18.00% Fixed 
This APR may be applied to your account on the entire outstanding balance if 
your required Minimum Payment is not received within 60 days of the payment 
due date. 

How Long Will the Penalty APR Apply?: The Penalty APR will apply until 
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. 

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. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $1.00. 

Annual Fee 

Set-Up Fee 

Transaction Fees 

•  Foreign Transaction 

•  Convenience Check 

•  ATM Cash Advance 

Fees 

$39 

None 

2.5% of the U.S. Dollar amount of any Purchase or Cash Advance made in a 
foreign currency 
Either $5 or 3% of the amount of each check, whichever is greater (maximum 
fee $50) 

Either $3 or 3% of the amount of each Cash Advance, whichever is greater 
(maximum fee $50) 

•  Over-the-counter Cash 

Advance  

Either $5 or 3% of the amount of each Cash Advance, whichever is greater 
(maximum fee $50) 

Penalty Fees 

•  Late Payment 
•  Over Credit Limit 
•  Returned Payment 

Required Insurance, Debt 
Cancellation or Debt 
Suspension Coverage 

Up to $35  

Up to $15  (if you opt-in) 

Up to $35 

None  

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. 

SHELVISA 

Page 5 of 5                                                            Rev. Date 04/01/11