Consumer Platinum Share Secured Visa Credit Card 

Rev. 2/15 

	  
	  
	  
 
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
HawaiiUSA Federal Credit Union 
1226 College Walk  Honolulu, HI 96817-3946 

Share Secured Visa Credit Card 

Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases 

APR for Balance Transfers 

12.96% when you open your account, based on your creditworthiness. 
None 

APR for Cash Advances 

None 

Penalty APR and When it 
Applies 

None 

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 balance 
by the due date each month. We will begin charging interest on cash 
advances and balance transfers on the transaction date. 

Minimum Interest Charge 

None 

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 
Fees 
Annual Fee 

Transaction Fees 

• 

• 

• 

Balance Transfer 

Cash Advance 

Foreign Transaction 

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 

None 

None 

None 

1.00% of each foreign transaction, regardless of whether the transaction is 
in U.S. dollars or in a foreign currency. 

Penalty Fees 

• 

• 

Late Payment 

Up to $35.00 

Returned Payment 

Up to $15.00 

How We Will Calculate Your Balance:  We use a method called “average daily balance (including 
new purchases).” 

	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
HAWAIIUSA FEDERAL CREDIT UNION 
1226 College Walk 
Honolulu HI 96817-3946 

SHARE SECURED VISA CREDIT CARD ACCOUNT AGREEMENT 
AND FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT 

EFFECTIVE: 12/25/2014 

This  document  together  with  the  attached  Share  Secured  Visa  Credit  Card  Account  Opening  Disclosure 
makes up the Share Secured Visa Credit Card Agreement and Federal Truth-In-Lending Disclosure Statement 
(“Agreement”) for the Share Secured Visa Credit Card with us.   The words YOU, YOUR, and YOURS mean 
each and all of those who apply for or use the Card and/or VISA Credit Card Account.  WE, US, and OUR mean 
HawaiiUSA FEDERAL CREDIT UNION.  CARD means the Share Secured Visa Credit Card issued to you and 
any duplicates and renewals we may issue.  ACCOUNT means the line of credit associated with your Share 
Secured Visa Credit Card Account with us. 

By requesting and receiving, signing, using, or permitting others to use the Card and/or Account issued to you 
by us, you agree to be bound by the terms and conditions as set forth herein and any amendments thereto. 

PLEDGE OF SHARES:  This is a secured credit card account.  Pursuant to the separate Share Pledge Agree- 
ment that you signed in connection with this Account, you understand and agree that you are pledging, under 
the Uniform Commercial Code, shares now on deposit in your regular savings account(s).  You understand that 
you must, at all times, keep a sum equal to your Credit Limit on deposit in the designated savings account(s) 
identified on the Share Pledge Agreement until you repay your entire Account Balance and the Account is ter- 
minated.  You understand and agree that this security interest will cover future Purchases and Advances under 
this Agreement.  If you default, we may apply these shares to repay your Account Balance in accordance with 
federal or other law.  You understand that the ANNUAL PERCENTAGE RATE quoted below does not take into 
account the amount pledged in your designated regular share account(s). 

AUTHORIZATION AND PAYMENT:  You authorize us to pay and charge your Account for all Purchases, Bal- 
ance Transfers and Cash Advances made or obtained by you or anyone you authorize to use your Card or 
Account.  You will be obligated to pay all such Purchases, Balance Transfers and Cash Advances charged to 
your Account whether resulting from: (1) actual use of your Card; (2) mail order or telephone, computer, or other 
electronic Purchases, Balance Transfers and Cash Advances made without presenting the Card; (3) any other 
circumstance where you authorize a charge, or authorize someone else to make a charge, to your Account 
(collectively, “authorized charges”). You promise to pay us or to our order in U.S. Dollars with an instrument 
drawn on a financial institution in the United States at our office or at the address set forth on your periodic 
statement all authorized charges on the terms and at the rates set forth herein, plus any FINANCE CHARGES 
assessed on your Account, and any other charges and fees which you may owe us under the terms of this 
Agreement (the “Account Balance”).   You must continue to make payments until you have paid the Account 
Balance in full. 

CHANGE OF TERMS:  Account and agreement terms are not guaranteed for any period of time.  You under- 
stand and agree that we may amend, modify, add to, or delete from this Agreement any of its terms and condi- 
tions, including financial terms such as the method of application and the amount of any INTEREST CHARGE, 
Transaction Fee, or other FINANCE CHARGE, ANNUAL PERCENTAGE RATE, daily periodic rate and/or fee 
in accordance with applicable laws.  If required by applicable law, a notice of the change will be mailed to you 
at your last known address [or, if you have agreed to receive notices from us electronically, will be delivered to 
you in an electronic format].  You also understand that in the event of a significant change in account terms, 
as defined under the Federal Truth-in-Lending Act, any such notice will be mailed [or electronically delivered] 
at least forty-five (45) days prior to the effective date of the significant change in account terms as required 
by applicable law.  If we are required by applicable law to provide you a right to reject significant changes to 
this Agreement prior to the effective date of such changes, we will provide you with an explanation of how to 
reject the significant changes, unless you fail to make a required minimum payment within sixty (60) days after 
its due date.  We may change the terms of this Agreement based on information in your credit report, market 
conditions, business strategy or for any other reason.  Notice of a change in terms is required, but may be sent 
as late as the effective date of the change where the change has been agreed to in writing by you. 

	  
	  
	  
	  
	  
	  
	  
	  
	  
INTEREST RATES AND INTEREST CHARGES:  You understand that a portion of your FINANCE CHARGES 
incurred during a billing cycle will include your INTEREST CHARGES incurred during that billing cycle.   The 
INTEREST CHARGE for a billing cycle will be calculated by applying your Daily Periodic Rate to your Average 
Daily Balance.  You understand and agree that under the “Change of Terms” section above, we have the right 
in our sole and absolute discretion to change the amount of any ANNUAL PERCENTAGE RATE, Daily Periodic 
Rate and/or INTEREST CHARGE that may apply to your Account, subject to applicable law. 

VISA  NON-VARIABLE RATE  PROGRAM  –  HOW  WE  CALCULATE YOUR  DAILY  PERIODIC  INTEREST 
CHARGE,  DAILY PERIODIC RATE, AND ANNUAL PERCENTAGE RATE  FOR  PURCHASES, CASH AD- 
VANCES AND BALANCE TRANSFERS: Our VISA program is a non-variable rate program.  What this means 
is your ANNUAL PERCENTAGE RATE does not increase or decrease except as otherwise provided for in this 
Agreement.  The Daily Periodic Rate used in calculating the INTEREST CHARGE is 0.0355% (corresponding 
ANNUAL PERCENTAGE RATE OF 12.96%). 

TRANSACTION FEES:   You  understand  that,  in  addition  to  INTEREST CHARGES incurred  during  a  billing 
cycle  another  portion  of  your  FINANCE CHARGES incurred  during  a  billing  cycle  may  include  Transaction 
Fees incurred during that billing cycle.  You understand and agree that under the “Change of Terms” section 
above, we have the right in our sole and absolute discretion to change the amount of any Transaction Fee that 
may apply to your Account, in accordance with applicable law.  Your Transaction Fees for a billing cycle include 
the following fees, each of which is a FINANCE CHARGE: 

Foreign Transactions Fee:  International Purchases, Cash Advances, and credit transactions are 
subject to a Foreign Transactions Fee of 1.00% of the amount of the Purchase, Cash Advance, or 
credit transaction which is posted to the Account during the billing cycle, regardless of whether the 
international transaction requires a currency conversion. 

The above Transaction Fees and other fees for the billing cycle will be shown on your periodic statement. 

CREDIT INFORMATION: At our request, you will update the credit information that you have provided to us. 
You authorize us to investigate your credit standing when opening, renewing, or reviewing the Account, and you 
authorize us to disclose information regarding the Account to credit bureaus and other creditors who inquire of 
us about your credit standing to the extent authorized by law.  If you question the accuracy of information we 
report to a credit reporting agency, you must write to us at the address listed on your periodic statement with a 
description of your dispute.  You agree to provide us with a copy of the credit report in question. 

HOW TO COMPUTE THE PURCHASE BALANCE, CONSISTING OF TRANSACTIONS RELATED TO PUR- 
CHASES OF GOODS AND SERVICES, UPON WHICH PERIODIC INTEREST CHARGES ARE ASSESSED: 
Average Daily Balance (including new purchases). 

The periodic INTEREST CHARGES for a billing cycle are computed by applying the Daily Periodic Rate to the 
Average Daily Balance of Credit Purchases (including new Purchase transactions).  To get the Average Daily 
Balance of Purchase transactions, we take the beginning balance of Purchase transactions on your Account 
each day, add any new Purchases, and subtract any payments or credits and unpaid INTEREST CHARGES 
and other FINANCE CHARGES.  This gives us the daily balance of Purchase transactions.  Then, we add up 
all the daily balances of Purchase transactions for the billing cycle and divide the total by the number of days 
in the billing cycle.  This gives us the Average Daily Balance of Purchase transactions. 

You have at least a 25-day grace period from the close of each billing cycle to pay the New Balance of Purchase 
transactions without incurring additional INTEREST CHARGES provided that either:  (1) we received payment 
in full of the ending balance for the previous billing cycle by the Payment Due Date disclosed in the periodic 
statement for the previous billing cycle; or (2) the ending balance of the previous billing cycle was $0.  If you have 
a grace period to pay the New Balance for any billing cycle, and do not pay the New Balance in full during this 
grace period, INTEREST CHARGES will be assessed on any portion of the New Balance not paid during the 
grace period using the Average Daily Balance method as explained above.  The Payment Due Date disclosed 
on each periodic statement provided to you is the last day of your grace period for that statement’s billing cycle. 

HOW  TO  COMPUTE  THE  CASH ADVANCES  BALANCE  (CONSISTING  OF  TRANSACTIONS RELATED 
TO  CASH  AND  OTHER  ADVANCE  TRANSACTIONS)  UPON  WHICH  PERIODIC  INTEREST  CHARGES 
ARE ASSESSED: Average Daily Balance (including new cash advances). 
The  periodic  INTEREST CHARGES for  a  billing  cycle  are  computed  by  applying  the  Daily  Periodic  Rate to 
the Average Daily Balance of Cash Advances (including new Cash Advances). To get the Average Daily Bal- 
ance of Cash Advance transactions, we take the beginning balance of Cash Advance transactions on your 

	  
	  
	  
	  
	  
	  
	  
	  
	  
Account each day, add any new Cash Advances, and subtract any payments or credits and unpaid INTEREST 
CHARGES and other FINANCE CHARGES.  This gives us the daily balance of Cash Advance transactions. 
Then, we add up all the daily balances of Cash Advance transactions for the billing cycle and divide the total 
by the number of days in the billing cycle.  This gives us the Average Daily Balance of Cash Advance transac- 
tions.  There is no grace period in order to avoid the imposition of INTEREST CHARGES on Cash Advances. 
Cash advance transactions include ATM withdrawals, online funds transfers, telephonic funds transfers, and in 
person Cash Advances at a financial institution’s branch from the Account. 

HOW  TO  COMPUTE  THE  BALANCE  TRANSFER  BALANCES  UPON  WHICH  PERIODIC  INTEREST 
CHARGES ARE ASSESSED:  Average Daily Balance (including new balance transfers). 

The  periodic  INTEREST CHARGES for  a  billing  cycle  are  computed  by  applying  the  Daily  Periodic  Rate to 
the Average Daily Balance of Balance Transfers (including new Balance Transfers).  To get the Average Daily 
Balance of Balance Transfer transactions we take the beginning balance of Balance Transfer transactions on 
your Account each day, add any new Balance Transfer transactions, and subtract any payments or credits, and 
unpaid INTEREST CHARGES and other FINANCE CHARGES.   This gives us the daily balance of Balance 
Transfer transactions.  Then, we add up all the daily balances of Balance Transfer transactions for the billing 
cycle and divide the total by the number of days in the billing cycle. This gives us the Average Daily Balance 
of  Balance  Transfer  transactions.   There  is  no  grace  period  in  order  to  avoid  the  imposition  of  INTEREST 
CHARGES on Balance Transfers. 

This determines your total INTEREST CHARGE for the billing cycle.  The combination of periodic INTEREST 
CHARGES, Foreign Transaction Fees will not exceed the ANNUAL PERCENTAGE RATE permitted under ap- 
plicable law.  Actual INTEREST CHARGES will be shown on your periodic statement. 

MINIMUM PAYMENT:  Every month, you must pay at least the Minimum Payment Due by the Payment Due 
Date shown on your periodic statement.  By separate agreement, you may authorize us to automatically trans- 
fer the Minimum Payment Due from your Credit Union savings or checking account.  You may, of course, pay 
more frequently, pay more, or pay the Account Balance in full, and you will reduce your periodic INTEREST 
CHARGE by doing so.  The Minimum Monthly Payment due will be either: (a) 3.50 percent (3.50%) of your Ac- 
count Balance or $15.00 whichever is greater; or (b) your Account Balance if it is less than $15.00.  In addition, 
you must pay any amount on your periodic statement listed as past due and any late charge.   Lastly, at any 
time your Account Balance exceeds your Credit Limit, you must pay the excess amount over your Credit Limit. 

You understand and agree that any Minimum Monthly Payment made by you will be applied to your account is 
the manner chosen by us subject to applicable law: Any payment you make in excess of the Minimum Monthly 
Payment will be applied first to the balances subject to the highest ANNUAL PERCENTAGE RATE and then 
to balances subject to lower ANNUAL PERCENTAGE RATES. Among multiple transactions with the same AN- 
NUAL PERCENTAGE RATE, we may apply your payments to older transaction before more recent transaction. 
Thereafter, we will apply all payments in excess of the Minimum Monthly Payment, if applicable, in the same 
order as we apply the Minimum Monthly Payment. 

PREPAYMENT OR IRREGULAR PAYMENTS:   Though  you  need  only  pay  the  Minimum  Payment  Due, you 
understand that you have the right to repay your Account Balance at any time without penalty.  You also under- 
stand and agree that you will only be charged INTEREST CHARGES to the date you repay your entire Account 
Balance.  You may make larger payments without penalty and this may reduce the total amount of INTEREST 
CHARGES that you will repay.  If you pay more than the Minimum Payment Due in any month and there is still 
a balance due, you must continue to make Minimum Payments in future months.  Any partial payment of your 
Account Balance will not advance your next payment due date(s).  You understand and agree that any payment 
that (a) delays or (b) accelerates the repayment of your Account Balance will (a) increase or (b) decrease your 
Daily Periodic INTEREST CHARGE.  Credits from merchants may not be applied to the Minimum Payment Due. 

PAYMENTS BY AUTOMATIC TRANSFER:  If you request payment by automatic transfer, you understand and 
agree that no payment can or will be made if there are insufficient or uncollected funds in the designated savings or 
checking account to make the scheduled loan payment.  Should this event occur, you understand and agree that 
you will not be released from making the payment. Any automatic transfer you have requested will remain in effect 
until you cancel it in writing or the Account Balance is paid in full.  We may cancel this service at our discretion. 

RECURRING PAYMENTS:  The use of your Account to make preauthorized electronic recurring bill payments 
constitutes an Electronic Fund Transfer.  You may be able to place a stop payment on a preauthorized electronic 
recurring bill payment in accordance with the terms of our Electronic Fund Transfers Your Rights and Responsi- 
bilities section of the Important Account Information for Our Members brochure with you. Any such stop payment 

	  
	  
	  
	  
	  
	  
	  
	  
order is subject to a Stop Payment Fee of $24 for each stop payment order you give.  A stop payment/revocation 
order does not release you from the obligation to pay for goods and services purchased from merchants. 

CREDIT  LIMIT  AND  CASH ADVANCE LIMIT:   Your Account  has  a  Credit  Limit  that  is  established  by  us. 
There may also be a limit on the amount you can withdraw from automated teller machines (ATMs) in a given 
period. You agree to manage your Account so that:  (1) your Account Balance (including fees and INTEREST 
CHARGES) is not more than your Credit Limit; and (2) your Cash Advance balance (including fees and INTER- 
EST CHARGES) is not more than your Cash Advance Limit.  However, if your Account Balance exceeds your 
Credit Limit or Cash Advance Limit, you are still obligated to pay us.  We may increase or decrease your Credit 
Limit at any time and we may notify you of such increase or decrease by mail or through a statement sent to 
the primary Accountholder’s address of record, in accordance with applicable legal requirements.  If you object 
to any Credit Limit increase, you must notify us immediately.  You or your joint applicant for the Account may re- 
quest an increase to the Credit Limit orally, in writing, or electronically, but any such request must be approved 
by us.  Any request from you or your joint applicant to reduce or suspend the Credit Limit must be submitted 
in writing.  If your Credit Limit is increased, you are immediately responsible for the new Credit Limit and any 
increase in the Account Balance even when it differs from an amount previously agreed to orally or in writing. 
[Purchases and Advances are subject to daily limits that may restrict the full use of your available Credit Limit.] 

RETURNED PAYMENT FEE:  If a payment that was applied to your Account is returned to us unpaid for any rea- 
son, you will be charged a Returned Payment Fee of up to $24 as follows:  If your payment is returned unpaid for 
any reason the first time we present it to your financial institution, the fee is $24.  However, the Returned Payment 
Fee will not exceed the Minimum Payment Due on the last Payment Due Date before the payment is returned. 

LATE PAYMENT FEE:  You will be charged a Late Payment Fee of up to $35 as follows:  If the Minimum Pay- 
ment Due is not paid within Fifteen (15) days after the date payment is due, the fee is $25.   If this happens 
again within the next six (6) billing periods, the fee is $35.  However, the Late Payment Fee will not exceed the 
Minimum Payment Due. 

CASH ADVANCE FEE:  For each Cash Advance there is no fee 

BALANCE TRANSFER FEE:   You  understand  that  you  can  request  a  Balance Transfer  transaction,  which 
allows you to pay a portion or the entire balance of a credit card account you maintain with another institution. 
Any request you make for a Balance Transfer is subject to our approval, based on your Credit Limit, your cred- 
itworthiness, and your good standing as a member.  If we approve your requested Balance Transfer transaction 
no Balance Transfer fee will be charged. 

REPLACEMENT CARD FEE:  Except as prohibited by applicable law, you may be charged a Replacement 
Card Fee of $15 for all cards issued other than the standard re-issue card or for imprinting errors. 

RUSH CARD FEE:  You will be charged a Rush Card Fee of $29 per card or PIN for all rush orders. Rush cards 
are cards that are delivered within 3 business days rather than the normal 10 business days. 

DOCUMENT FEE:   If a copy of any periodic statement, sales draft or similar document is provided by us at 
your request (other than in connection with a billing error inquiry), a Document Fee of $5 for billing statements, 
and $15 for a copy of a convenience check may be imposed by us on your Account for each item requested. 

PROMOTIONAL RATE OFFERS:   From time to time and at our discretion, we may offer you a promotional 
ANNUAL PERCENTAGE RATE for all or any part of your Account Balance, Balance Transfer or future transac- 
tions.   The period of time for which the promotional ANNUAL PERCENTAGE RATE applies may be limited. 
Any applicable promotional ANNUAL PERCENTAGE RATE, the corresponding periodic rates, and the period 
of time during which they are in effect will appear on the offer. Any promotional rate offer will be subject to the 
terms of the offer and this Agreement. 

SIGNATURE REQUIREMENT:  In order for your Card to be valid, you must activate and sign the Card as soon 
as you receive it. 

USING THE CARD:  You may use your Card to make Purchases or request Advances in accordance with current pol- 
icies, up to your Credit Limit.  All transactions are subject to our approval.  To make a Purchase or obtain an Advance, 
there are two alternative procedures to be followed.  One is for you to present the Card or Card number to a participat- 
ing Visa plan merchant, to us, or to another financial institution, and sign or authorize a Purchase or Cash Advance 
draft.  The other is to complete the transaction by using your Personal Identification Number (PIN) in conjunction with 
the Card in an Automated Teller Machine or other type of electronic terminal that provides access to the Visa system. 

	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
Your Card and/or Account may not be used directly or indirectly for: (1) any illegal activity or transaction; or (2) 
any gambling, gaming, betting, or similar activity or transaction.   Further, you may not utilize your Card and/ 
or Account for the purchase of any goods or services on the Internet that involve gambling, gaming, betting, 
or any similar transaction or activity.  Such transactions include, but may not be limited to, any quasi-cash or 
online gambling transaction, any electronic commerce transaction conducted over an open network, and any 
betting transaction including the purchase of lottery tickets or casino gaming chips/checks or off-track betting 
or wagering.  However, in the event that a charge or transaction described in this paragraph is approved and 
processed, you will still be responsible for such charges. 

ELECTRONIC FUND TRANSFER:  In the event a use of the Card or the Account number of the Card consti- 
tutes an Electronic Fund Transfer, the terms and conditions of our Electronic Fund Transfers Your Rights sec- 
tion of the Important Account Information for Our Members brochure with you shall govern such transactions 
to the extent the Responsibilities section of the Important Account Information for Our Members brochure with 
you expands or amends this Agreement. 

CHANGING OR TERMINATING AUTHORIZED USERS:  Upon your request, we may issue additional cards 
for authorized users that you designate.  You must notify us in writing of any termination of an authorized user’s 
right  to  access  your Account.   Your  letter  must  include  the  name  of  the  authorized  user  and  your Account 
number and/or any subaccount number issued to the authorized user along with the authorized user’s card.  If 
you cannot return the authorized user’s card and if you request your Account to be closed, we will close your 
Account and you may apply for a new account. 

DEFAULT:  You will be in default if:  (1) You do not pay on time or in the proper amount(s); (2) You fail to live up 
to any of the terms of this Agreement; (3) Your creditworthiness is impaired; or (4) You die, become insolvent, 
or are the subject of bankruptcy or receivership proceedings.  In the event of any action by us to enforce this 
Agreement, you agree to pay the costs thereof, reasonable attorneys’ fees, and other expenses.  You under- 
stand  and  agree  that  INTEREST CHARGES at  the ANNUAL PERCENTAGE RATE as  permitted  under  this 
Agreement will continue to accrue until you repay your entire Account Balance. 

ACCELERATION AND COLLECTION COSTS:   Upon your default, you understand and agree that we have 
the right to temporarily or permanently suspend any and all Account and Card privileges and/or we may demand 
immediate payment of the Account Balance, including INTEREST CHARGES, Transaction Fees, and other FI- 
NANCE CHARGES, late charges, and our collection costs, reasonable attorneys’ fees, and court costs (collec- 
tively, “collection-related charges”).  You understand and agree that you will be subject to INTEREST CHARGES 
(at the applicable Daily Periodic Rate), Transaction Fees, and other FINANCE CHARGES, late charges, and col- 
lection-related charges under the terms disclosed in this Agreement, until you repay your entire Account Balance. 

RESPONSIBILITY:  You agree to repay us according to the terms of this Agreement for all Purchases, Ad- 
vances, INTEREST CHARGES, Transaction Fees, and other FINANCE CHARGES, and late charges (if any) 
arising from the use of the Account by you or any other person you permit to use the Account, even if that 
person exceeds your permission.   You cannot disclaim responsibility by notifying us, although we will close 
the Account if you so request and you will return all Cards to us.  Your obligation to pay the Account Balance 
continues even though an agreement, divorce decree, or other court judgment to which we are not a party may 
direct you or one of the other persons responsible to pay the Account.  Any person using the Account and/or 
Card is jointly and severally responsible with you for charges he or she makes; but if that person signs the Card, 
he or she becomes a party to this Agreement and is also responsible for all charges on the Account, including 
yours.  The Cards remain our property and you must recover and surrender to us all Cards upon our request 
and/or upon termination of this Account. 

UNAUTHORIZED USE:  If you become aware of the loss or theft of your Card or a possible unauthorized use 
of your Card and/or Account, you should call (800)654-7728 or write to us immediately at: Customer Service 
P.O. Box 31112 Tampa, FL 33631-3112  You will not be liable for any unauthorized use that occurs after you 
notify us.  You may, however, be liable for unauthorized use that occurs before your notice to us.  In any case, 
your liability will not exceed $50.   Your liability may be lower in cases of Visa Card fraud in accordance with 
current Visa U.S.A., Inc. Operating Rules. 

INACTIVE ACCOUNT:  If your Account does not have any activity for twelve (12) consecutive months, it will be 
considered an inactive account and your ability to take advances against your Credit Limit may be suspended. 
If your Account is inactive for twenty four (24) consecutive months, we may close it. 

	  
	  
	  
	  
	  
	  
	  
TERMINATION:  We may terminate this Agreement upon your default.   Either you or we may terminate this 
Agreement for other good cause.  In no event shall any termination relieve you of your obligation to repay the 
entire Account Balance.  You agree to return all the Cards issued to you or any party designated by you. 

PERIODIC BILLING STATEMENTS:  Your Card or other Account activity will be reflected on the Periodic Bill- 
ing Statement (Statement).  Your Statement will identify the merchant, electronic terminal, or financial institution 
at which transactions were made, but sales, cash advance, credit, or other slips cannot be returned with the 
Statement.  You agree to retain the copy of such slips furnished at the time of the transaction in order to rec- 
oncile your Statement.  If you request a copy of any sales draft or similar document, a fee in the amount of $5 
per document may be imposed by us.  This fee will not be imposed, however, if it was requested in connection 
with a billing error.  Statements will be mailed, or delivered electronically if you have agreed to receive notices 
from us electronically, only to the address of the person named first on the Account. 

AUTHORIZATIONS:  Most transactions require approval of funds.  Approvals result in placing a hold against 
your Credit Limit.   We may limit the number or amount of approvals or Purchases and Advances per day or 
deny transactions when we detect unusual or suspicious activity, even if you have sufficient credit available. 
We are not liable for failing to approve any transactions and we may, although we are not required to, approve 
transactions above your available Credit Limit. 

PLAN  MERCHANT DISPUTES:   We  are  not  responsible  for  the  refusal  of  any  plan  merchant  or  financial 
institution to honor the Account and/or Card.  We are subject to claims and defenses (other than tort claims) 
arising out of goods or services you purchase with the Card only if you have made a good faith attempt but 
have been unable to obtain satisfaction from the plan merchant, and (a) your purchase was made in response 
to an advertisement we sent or participated in sending you; or (b) your purchase cost more than $50.00 and 
was made from a plan merchant in your state or within 100 miles of your current mailing address.  Any other 
dispute you must resolve directly with the plan merchant. If you dispute a charge with a merchant, we may, in 
our discretion, credit your Account for all or part of the disputed charge.  If we do so, you assign and transfer 
to us all rights and claims (excluding tort claims) against the merchant.  You agree that you will not pursue any 
claim against the merchant for the credited amount, and you must cooperate with us if we decide to do so. 

JOINT ACCOUNTS:  If this is a joint account, each of you will be individually and jointly responsible for paying 
all amounts owed under this Agreement.  This means that we can require any one of you individually to repay 
the Account Balance.  Each of you authorizes the other(s) to make purchases or cash advances individually. 
Any one of you may terminate the Account and the termination will be effective as to all of you. 

FOREIGN TRANSACTIONS:  Purchases, cash advances, and credits made in foreign currencies will be billed 
to your Account in U.S. dollars.  The conversion to U.S. dollars will be made in accordance with the Visa op- 
erating regulations for international transactions.  In the event that an international transaction is converted to 
U.S. dollars the exchange rate between the transaction currency and the billing currency used for processing 
international transactions will be:  (1) a rate selected by Visa from the range of rates available in wholesale cur- 
rency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives; 
or (2) the government-mandated rate in effect for the applicable central processing date.   The rate in effect 
on the applicable processing date may differ from the rate on the date you used your Card.  When a credit to 
the account does not fully offset a charge to the account due to changes in the rate, you are responsible for 
the difference.  For Purchases, Advances, and ATM and non-ATM cash transactions, we will charge a Foreign 
Transaction Fee in an amount equal to one percent (1.00%) of the amount of the Purchase, Cash Advance or 
credit, regardless of whether the international transaction requires a currency conversion. 

RETURNS AND ADJUSTMENTS:  Merchants and others who honor the Account and/or Card may give credit 
for returns or adjustments, and they will do so by sending us a credit slip, which we will post to the Account.  If a 
credit fails to post to your Account, you may request our help in having the credit applied to your Account by send- 
ing us a copy of the credit slip issued by the merchant.  You have the sole responsibility to obtain written proof 
of credit and to retain copies of credit receipts until the credit is properly applied to your Account.  If your credits 
and payments exceed what you owe us, we will hold and apply this credit balance against future Purchases and 
Cash Advances, or if it is $1.00 or more, refund it on your written request or automatically after six (6) months. 

LOST OR STOLEN CARD, NOTIFICATION AND LIABILITY:  You will notify us IMMEDIATELY if you believe that 
your Card, Account number, PIN, or any combination of the three has been lost or stolen by immediately calling us at 
(800) 449-7728.  For 24-hour card service, call (800) 449-7728.  Telephoning is the best way of keeping your possible 
losses down. You understand that your total liability to us shall not exceed $50.00 for any Account and/or Card transac- 
tions resulting from the loss, theft, or other unauthorized use of the Account and/or Card that occurs prior to the time you 
give notice to us.  Such liability does not apply when the Account and/or Card is used to make an electronic transfer. 

	  
	  
	  
	  
	  
	  
	  
PAYMENTS MARKED “PAID IN FULL”: We may accept checks, money orders, or other types of payment 
marked “payment in full” or using other language to indicate full satisfaction of any indebtedness without being 
bound by such language or waiving any rights under this Agreement.  Full satisfaction of indebtedness shall be 
accepted by us only in a written agreement, signed by an authorized representative. 

CHANGING BENEFITS:   We have the right to add, modify or delete any benefit, service or feature of your 
Account at our discretion. 

ASSIGNING THIS AGREEMENT:   We  may  sell,  transfer  or  assign  this Agreement  and  your Account.   We 
may do so at any time without notifying you.  You may not sell, assign or transfer your Account or any of your 
obligations under this Agreement. 

DELAY IN ENFORCEMENT: We can delay enforcing any of our rights under this Agreement without losing them. 

TELEPHONE MONITORING:  We may listen to and record telephone calls between you and us for the pur- 
pose of improving the quality of service you receive. 

GOVERNING LAW:  You understand and agree that this Agreement shall be governed by the laws of the State 
of Hawaii to the extent that Hawaii law is not inconsistent with controlling federal law.  You also understand and 
agree that Hawaii’s choice of law rules shall not be applied if they would result in the application of non-Hawaii law. 

INTEGRATED DOCUMENT(S):   You  understand  and  agree  that  the  separate  sheet  of  paper  labeled  “Visa 
Credit Card Account Opening Disclosure” that is included with this Agreement is incorporated herein by reference 
and is an integrated part of this Agreement.  In addition, any separate sheet of paper, which is delivered together 
with this Agreement and incorporates this Agreement by reference, is an integrated part of this Agreement.  Any 
future amendments to this Agreement will be labeled as such and will form an integrated part of this Agreement. 

MEMBERSHIP REQUIREMENT:  You understand and agree that you must be and remain a member in good 
standing with us to be eligible for continuing Account and/or Card privileges including future Purchases and 
Advances.  You understand and agree that we may suspend or close the Account and/or Card privileges during 
any period in which you do not maintain your membership with us. 

CHANGE OF PERSONAL INFORMATION:  You understand and agree that you must immediately report to us 
any change in your name, address, home, work or cellular telephone number, or employment status. 

ACCURACY OF INFORMATION:  You represent and warrant that the information provided in your request for 
credit (Application) is accurate and you will notify us in writing immediately if there is a change in your financial 
condition that may affect your creditworthiness.   We may retain the Application.   You understand that it is a 
violation of Section 1014, Title 18, US Code to make false statements or over value security for the purpose of 
influencing the action of any federally-insured credit union.  We may gather credit and/or employment informa- 
tion we deem necessary and appropriate from time to time and we may give information concerning our credit 
experience with you to others. 

SEVERABILITY AND FINAL EXPRESSION:  This Agreement is the final expression of the terms and condi- 
tions of your Account.  This Agreement may not be contradicted by evidence of any alleged oral agreement. 
Should any part of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement 
shall remain in effect and fully enforceable to the fullest extent possible. 

COPY RECEIVED: You acknowledge receipt of a copy of this Agreement and agree to accept its terms. 

NOTICE: See the statement below for important information regarding your right to dispute billing errors. 

YOUR BILLING RIGHTS:  KEEP THIS DOCUMENT 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: 

Customer Service 
P.O. Box 31112 
Tampa, FL 3363103112 

	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
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 ap- 
plicable 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 is 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, you will contact us in writing at: 

Customer Service 
P.O. Box 31112 
Tampa, FL 33631-3112 

While we investigate, the same rules apply to the disputed amount as discussed above.  After we finish our 
investigation, we will tell you our decision.  At that point, if we think you owe an amount and you do not pay, we 
may report you as delinquent.