Common use of THE DEBIT CARD CONTROLS SERVICE Clause in Contracts

THE DEBIT CARD CONTROLS SERVICE. The Debit Card Controls Service (“Card Controls” or “Card Controls Service”) is available using the App unless you have requested this function to be disabled in your App by contacting us at the numbers listed in section A “How to Contact Us/Loss of your Device and/or Security Codes”. The Card Controls Service gives you the ability to set location, transaction type, merchant type and threshold amount limits for your Debit Card(s), or totally disabling all Debit Card transactions. All eligible Debit Cards will be listed in the Card Controls feature, which you can locate on your App by accessing the “Add” button. From this list you can enable any or all of these Debit Cards for the Card Control Service. You can customize Card Controls settings on each eligible card and they are effective immediately and can be modified/removed at any time. Your recurring transactions (such as utility bills or auto-payments) are not affected by turning the debit card off or adding threshold limits. Bank of Hawaii is not responsible for how merchants authorize transactions or code their terminal’s location or merchant type. The terminal coding is the sole responsibility of the merchant and may impact the ability for the Card Controls Service to recognize the merchant category or location of an in-store transaction. Certain merchants may seek an authorization hold at the time the transaction is initiated (e.g. gas stations, restaurants, hotels, etc.). The authorization hold may be higher or lower than the actual transaction paid because the final transaction amount is not known at the time the transaction is initiated. This may affect any threshold limits you apply in the Card Controls Service, as Bank of Hawaii cannot control the amount of a transaction once an authorization has been granted. Please see section 3.E of the Bank of Hawaii Consumer Electronic Banking Services Agreement (EFT- 10). The Card Controls Service also allows you to receive customized push alerts (in-App notifications) about Debit Card transaction activity. Standard data rates may apply. You agree that the Debit Card Controls Service is provided by Bank of Hawaii through its service providers. If our service providers experience any issues that cause the Card Controls Service not to perform as intended, any card control preferences and/or alerts you set up may not be in effect. During any service provider outage period, authorized transactions may be completed whether or not the transactions would have been restricted by your card controls settings.

THE DEBIT CARD CONTROLS SERVICE. The Debit Card Controls Service (“Card Controls” or “Card Controls Service”) is available using the App unless you have requested this function to be disabled in your App by contacting us at the numbers listed in section A “How to Contact Us/Loss of your Device and/or Security Codes”. The Card Controls Service gives you the ability to set location, transaction type, merchant type and threshold amount limits for your Debit Card(s), or totally disabling all Debit Card transactions. All eligible Debit Cards will be listed in the Card Controls feature, which you can locate on your App by accessing the “Add” button. From this list you can enable any or all of these Debit Cards for the Card Control Service. You can customize Card Controls settings on each eligible card and they are effective immediately and can be modified/removed at any time. Your recurring transactions (such as utility bills or auto-paymentsauto‐payments) are not affected by turning the debit card off or adding threshold limits. Bank of Hawaii is not responsible for how merchants authorize transactions or code their terminal’s location or merchant type. The terminal coding is the sole responsibility of the merchant and may impact the ability for the Card Controls Service to recognize the merchant category or location of an in-store in‐store transaction. Certain merchants may seek an authorization hold at the time the transaction is initiated (e.g. gas stations, restaurants, hotels, etc.). The authorization hold may be higher or lower than the actual transaction paid because the final transaction amount is not known at the time the transaction is initiated. This may affect any threshold limits you apply in the Card Controls Service, as Bank of Hawaii cannot control the amount of a transaction once an authorization has been granted. Please see section 3.E of the Bank of Hawaii Consumer Electronic Banking Services Agreement (EFT- EFT‐ 10). The Card Controls Service also allows you to receive customized push alerts (in-App in‐App notifications) about Debit Card transaction activity. Standard data rates may apply. You agree that the Debit Card Controls Service is provided by Bank of Hawaii through its service providers. If our service providers experience any issues that cause the Card Controls Service not to perform as intended, any card control preferences and/or alerts you set up may not be in effect. During any service provider outage period, authorized transactions may be completed whether or not the transactions would have been restricted by your card controls settings.