HERITAGE CREDIT CARD DISCLOSURES
(Personal and Private Banking)

This disclosure was printed on 09/01/2017. The information for this card is accurate as of that date and is subject to change after
that date. For any changes since the print date, contact us at BankCard Center, P.O. Box 1959, Honolulu, HI, 96805.

Interest Rates and Interest Charges

Annual Percentage Rate
(APR) for Purchases

2.99% Intro fixed APR for your first eight billing cycles following the opening of your

account.

After that, the APR will be 17.24% for Personal cards and 12.24% for Private Banking
Platinum cards. These APRs 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 17.24% for Personal cards and 12.24% for Private Banking Platinum
cards. These APRs will vary with the market based on the U.S. Prime Rate.

APR for Cash Advances

18.00% Fixed

Penalty APR and When it
Applies

18.00% Fixed

This APR will apply to your account if you make a late payment.

How Long Will the Penalty APR Apply?: The Penalty APR will apply until you have
made six consecutive Minimum Payments when due.

How to Avoid Paying
Interest on Purchases

Your due date is at least 25 days after the close of each billling 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.

For Credit Card Tips from
the Consumer Financial
Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the
website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore.

Fees

Annual Fee

None for Personal cards

Transaction Fees

 Foreign Transaction

 Balance Transfer
 Convenience Check

 ATM Cash Advance
 Over-the-counter
Cash Advance

Penalty Fees

 Late Payment

 Returned Payment

$50 for Private Banking Platinum cards (we reserve the right to waive the fee so long as you
remain a Private Banking customer)

3% 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 transfer, whichever is greater

Either $5 or 3% of the amount of each check, whichever is greater

Either $5 or 5% of the amount of each Cash Advance, whichever is greater

Either $5 or 5% of the amount of each Cash Advance, whichever is greater

Up to $38

Up to $38

How We Will Calculate Your Balance: We will use a method called “Average Daily Balance (including new Purchases).”

Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.

Unless otherwise defined herein, all capitalized terms shall have the meaning set forth in the applicable version of the Heritage
Credit Card Agreement.