Common Contracts

41 similar Credit Card Agreement contracts

PLATINUM HERITAGE CREDIT CARD AGREEMENT
Credit Card Agreement • August 8th, 2023 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 2.99% Intro fixed APR for your first eight billing cycles following the opening of your account. After that, the APR will be 16.49%. This APR will vary with the market based on the U.S. Prime Rate. APR for Balance Transfers 2.99% Intro fixed APR for your first eight billing cycles following the opening of your account for balance transfers made within thirty days of account opening.After that, the APR will be 16.49%. This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis 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 en

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UNITED MILEAGEPLUS® WORLD ELITE CREDIT CARD AGREEMENT
Credit Card Agreement • August 8th, 2023 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 16.49%This APR will vary with the market based on the U.S. Prime Rate. APR for Balance Transfers 2.99% Intro fixed APR for your first eight billing cycles following the opening of your account for balance transfers made within thirty days of account opening.After that, the APR will be 16.49%. This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis 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.

UNITED® CREDIT CARD AGREEMENT
Credit Card Agreement • August 8th, 2023 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 16.49%This APR will vary with the market based on the U.S. Prime Rate. APR for Balance Transfers 2.99% Intro fixed APR for your first eight billing cycles following the opening of your account for balance transfers made within thirty days of account opening.After that, the APR will be 16.49%. This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply?: This Penalty APR will apply until you make six consecutive Minimum Payments when due. 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. Minimum Inte

PRIORITY REWARDSSM CREDIT CARD AGREEMENT
Credit Card Agreement • August 8th, 2023 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 16.49%This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis 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. 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 Pro

PRIORITY DESTINATIONSSM WORLD CREDIT CARD AGREEMENT
Credit Card Agreement • July 11th, 2023 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 0% Intro fixed APR for the first six (6) billing cycles following the opening of your account. After that the APR will be:18.00%. This APR will vary with the market based on the U.S. Prime Rate. APR for Balance Transfers 4.99% fixed APR for eight (8) billing cycles beginning with the billing cycle on which the balance transfer appears. After that, the APR will be 18.00%. This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis 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 m

PRIORITY UNLIMITED CREDIT CARD AGREEMENT
Credit Card Agreement • July 11th, 2023 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 0% introductory fixed APR for the first six (6) billing cycles following the opening of your account. After that the APR will be:18.00%. This APR will vary with the market based on the U.S. Prime Rate. APR for Balance Transfers 4.99% introductory fixed APR for the first eight (8) billing cycles following the opening of your account. After that, the APR will be 18.00%. This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply?: This Penalty APR will apply until you make six consecutive Minimum Payments when due. 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 b

PRIORITY REWARDSSM CREDIT CARD AGREEMENT
Credit Card Agreement • July 11th, 2023 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 0% Intro fixed APR for the first six (6) billing cycles following the opening of your account. After that the APR will be:18.00% This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis 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. 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 lea

HERITAGE CREDIT CARD AGREEMENT
Credit Card Agreement • July 11th, 2023 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 2.99% Intro fixed APR for your first eight (8) billing cycles following the opening of your account.After that, the APR will be 18.00%. This APR will vary with the market based on the U.S.Prime Rate. APR for Balance Transfers 2.99% Intro fixed APR for your first eight (8) billing cycles following the opening of your account for balance transfers made within thirty days of account opening.After that, the APR will be 18.00%. This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply?: This Penalty APR will apply until you make six consecutive Minimum Payments when due. 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 N

PRIORITY DESTINATIONSSM WORLD ELITE CREDIT CARD AGREEMENT
Credit Card Agreement • July 11th, 2023 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 0% Intro fixed APR for the first six (6) billing cycles following the opening of your account. After that the APR will be:18.00%. This APR will vary with the market based on the U.S. Prime Rate. APR for Balance Transfers 4.99% fixed APR for eight (8) billing cycles beginning with the billing cycle on which the balance transfer appears. After that, the APR will be 18.00%. This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis 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 m

UNITED® CREDIT CARD AGREEMENT
Credit Card Agreement • July 11th, 2023 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 18.00%This APR will vary with the market based on the U.S. Prime Rate. APR for Balance Transfers 2.99% Intro fixed APR for your first eight (8) billing cycles following the opening of your account for balance transfers made within thirty days of account opening.After that, the APR will be 18.00%. This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply?: This Penalty APR will apply until you make six consecutive Minimum Payments when due. 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. Minimum

PRIORITY UNLIMITED CREDIT CARD AGREEMENT
Credit Card Agreement • May 8th, 2023 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 0% introductory fixed APR for the first six (6) billing cycles following the opening of your account. After that the APR will be:18.00%. This APR will vary with the market based on the U.S. Prime Rate. APR for Balance Transfers 4.99% introductory fixed APR for the first eight (8) billing cycles following the opening of your account. After that, the APR will be 18.00%. This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply?: This Penalty APR will apply until you make six consecutive Minimum Payments when due. 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 b

UNITED MILEAGEPLUS® WORLD ELITE CREDIT CARD AGREEMENT
Credit Card Agreement • May 8th, 2023 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 16.24%This APR will vary with the market based on the U.S. Prime Rate. APR for Balance Transfers 2.99% Intro fixed APR for your first eight billing cycles following the opening of your account for balance transfers made within thirty days of account opening.After that, the APR will be 16.24%. This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis 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.

PRIORITY DESTINATIONSSM WORLD ELITE CREDIT CARD AGREEMENT
Credit Card Agreement • May 8th, 2023 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 0% Intro fixed APR for the first six (6) billing cycles following the opening of your account. After that the APR will be:18.00%. This APR will vary with the market based on the U.S. Prime Rate. APR for Balance Transfers 4.99% fixed APR for eight (8) billing cycles beginning with the billing cycle on which the balance transfer appears. After that, the APR will be 18.00%. This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis 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 m

PRIORITY REWARDSSM CREDIT CARD AGREEMENT
Credit Card Agreement • May 8th, 2023 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 0% Intro fixed APR for the first six (6) billing cycles following the opening of your account. After that the APR will be:18.00% This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis 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. 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 lea

PRIORITY REWARDSSM CREDIT CARD AGREEMENT
Credit Card Agreement • May 8th, 2023 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 16.24%This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis 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. 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 Pro

PRIORITY DESTINATIONSSM WORLD ELITE CREDIT CARD AGREEMENT
Credit Card Agreement • May 8th, 2023 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 0% Intro fixed APR for the first six billing cycles following the opening of your account. After that, the APR will be:16.24%This APR will vary with the market based on the U.S. Prime Rate. APR for Balance Transfers 4.99% fixed APR for eight billing cycles beginning with the billing cycle on which the balance transfer appears.After that, the APR will be 16.24% for Private Banking World Elite Accounts.This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis 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

UNITED® CREDIT CARD AGREEMENT
Credit Card Agreement • May 8th, 2023 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 18.00%This APR will vary with the market based on the U.S. Prime Rate. APR for Balance Transfers 2.99% Intro fixed APR for your first eight (8) billing cycles following the opening of your account for balance transfers made within thirty days of account opening.After that, the APR will be 18.00%. This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply?: This Penalty APR will apply until you make six consecutive Minimum Payments when due. 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. Minimum

PLATINUM HERITAGE CREDIT CARD AGREEMENT
Credit Card Agreement • May 8th, 2023 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 2.99% Intro fixed APR for your first eight billing cycles following the opening of your account.After that, the APR will be 16.24%. This APR will vary with the market based on the U.S.Prime Rate. APR for Balance Transfers 2.99% Intro fixed APR for your first eight billing cycles following the opening of your account for balance transfers made within thirty days of account opening.After that, the APR will be 16.24%. This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis 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 enti

HERITAGE CREDIT CARD AGREEMENT
Credit Card Agreement • May 8th, 2023 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 2.99% Intro fixed APR for your first eight (8) billing cycles following the opening of your account.After that, the APR will be 18.00%. This APR will vary with the market based on the U.S.Prime Rate. APR for Balance Transfers 2.99% Intro fixed APR for your first eight (8) billing cycles following the opening of your account for balance transfers made within thirty days of account opening.After that, the APR will be 18.00%. This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply?: This Penalty APR will apply until you make six consecutive Minimum Payments when due. 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 N

PRIORITY DESTINATIONSSM WORLD CREDIT CARD AGREEMENT
Credit Card Agreement • May 8th, 2023 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 0% Intro fixed APR for the first six (6) billing cycles following the opening of your account. After that the APR will be:18.00%. This APR will vary with the market based on the U.S. Prime Rate. APR for Balance Transfers 4.99% fixed APR for eight (8) billing cycles beginning with the billing cycle on which the balance transfer appears. After that, the APR will be 18.00%. This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis 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 m

UNITED® CREDIT CARD AGREEMENT
Credit Card Agreement • May 8th, 2023 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 16.24%This APR will vary with the market based on the U.S. Prime Rate. APR for Balance Transfers 2.99% Intro fixed APR for your first eight billing cycles following the opening of your account for balance transfers made within thirty days of account opening.After that, the APR will be 16.24%. This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply?: This Penalty APR will apply until you make six consecutive Minimum Payments when due. 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. Minimum Inte

PRIORITY UNLIMITED CREDIT CARD AGREEMENT
Credit Card Agreement • April 3rd, 2023 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 0% introductory fixed APR for the first six (6) billing cycles following the opening of your account. After that the APR will be:18.00%. This APR will vary with the market based on the U.S. Prime Rate. APR for Balance Transfers 4.99% introductory fixed APR for the first eight (8) billing cycles following the opening of your account. After that, the APR will be 18.00%. This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply?: This Penalty APR will apply until you make six consecutive Minimum Payments when due. 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 b

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PRIORITY UNLIMITED CREDIT CARD AGREEMENT
Credit Card Agreement • February 1st, 2023 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 0% introductory fixed APR for the first six (6) billing cycles following the opening of your account. After that the APR will be:18.00%. This APR will vary with the market based on the U.S. Prime Rate. APR for Balance Transfers 4.99% introductory fixed APR for the first eight (8) billing cycles following the opening of your account. After that, the APR will be 18.00%. This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply?: This Penalty APR will apply until you make six consecutive Minimum Payments when due. 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 b

UNITED MILEAGEPLUS® WORLD ELITE CREDIT CARD AGREEMENT
Credit Card Agreement • January 17th, 2023 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 14.99%This APR will vary with the market based on the U.S. Prime Rate. APR for Balance Transfers 2.99% Intro fixed APR for your first eight billing cycles following the opening of your account for balance transfers made within thirty days of account opening.After that, the APR will be 14.99%. This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis 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.

PLATINUM HERITAGE CREDIT CARD AGREEMENT
Credit Card Agreement • December 31st, 2022 • Hawaii

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 14.99%. This APR will vary with the market based on the U.S.Prime Rate. APR for Balance Transfers 2.99% Intro fixed APR for your first eight billing cycles following the opening of your account for balance transfers made within thirty days of account opening.After that, the APR will be 14.99%. This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis 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 enti

UNITED® CREDIT CARD AGREEMENT
Credit Card Agreement • December 11th, 2022 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 18.00%This APR will vary with the market based on the U.S. Prime Rate. APR for Balance Transfers 2.99% Intro fixed APR for your first eight (8) billing cycles following the opening of your account for balance transfers made within thirty days of account opening.After that, the APR will be 18.00%. This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply?: This Penalty APR will apply until you make six consecutive Minimum Payments when due. 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. Minimum

PRIORITY REWARDSSM CREDIT CARD AGREEMENT
Credit Card Agreement • December 4th, 2022 • Hawaii

Fees Annual Fee None Transaction Fees• Foreign Transaction• Cash Advance 3% of the U.S. dollar amount of any Purchase or Cash Advance made in a foreign currency Either $10 or 5% of the amount of each Cash Advance, whichever is greater Penalty Fees• Late Payment• Returned Payment Up to $40Up to $40

PRIORITY DESTINATIONSSM WORLD ELITE CREDIT CARD AGREEMENT
Credit Card Agreement • May 26th, 2020 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 11.24%This APR will vary with the market based on the U.S. Prime Rate. APR for Balance Transfers 4.99% fixed APR for eight billing cycles beginning with the billing cycle on which the balance transfer appears.After that, the APR will be 11.24% for Private Banking World Elite Accounts.This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis 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. Minimum I

UNITED® CREDIT CARD AGREEMENT
Credit Card Agreement • May 26th, 2020 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 16.24%This APR will vary with the market based on the U.S. Prime Rate. APR for Balance Transfers 2.99% Intro fixed APR for your first eight billing cycles following the opening of your account for balance transfers made within thirty days of account opening.After that, the APR will be 16.24%. This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply?: This Penalty APR will apply until you make six consecutive Minimum Payments when due. 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. Minimum Inte

HERITAGE CREDIT CARD AGREEMENT
Credit Card Agreement • May 26th, 2020 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 2.99% Intro fixed APR for your first eight billing cycles following the opening of your account. After that, the APR will be 16.24%. This APR will vary with the market based on the U.S. Prime Rate. APR for Balance Transfers 2.99% Intro fixed APR for your first eight billing cycles following the opening of your account for balance transfers made within thirty days of account opening.After that, the APR will be 16.24%. This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply?: This Penalty APR will apply until you make six consecutive Minimum Payments when due. 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 Bal

PRIORITY REWARDSSM CREDIT CARD AGREEMENT
Credit Card Agreement • May 26th, 2020 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 11.24%This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis 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. 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 Pro

UNITED MILEAGEPLUS® WORLD ELITE CREDIT CARD AGREEMENT
Credit Card Agreement • May 26th, 2020 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 11.24%This APR will vary with the market based on the U.S. Prime Rate. APR for Balance Transfers 2.99% Intro fixed APR for your first eight billing cycles following the opening of your account for balance transfers made within thirty days of account opening.After that, the APR will be 11.24%. This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis 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.

PLATINUM HERITAGE CREDIT CARD AGREEMENT
Credit Card Agreement • May 26th, 2020 • Hawaii

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 11.24%. This APR will vary with the market based on the U.S. Prime Rate. APR for Balance Transfers 2.99% Intro fixed APR for your first eight billing cycles following the opening of your account for balance transfers made within thirty days of account opening.After that, the APR will be 11.24%. This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis 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 en

PRIVATE BANKING UNITED® CREDIT CARD AGREEMENT
Credit Card Agreement • May 26th, 2020 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 11.24%This APR will vary with the market based on the U.S. Prime Rate. APR for Balance Transfers 2.99% Intro fixed APR for your first eight billing cycles following the opening of your account for balance transfers made within thirty days of account opening.After that, the APR will be 11.24%. This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply?: This Penalty APR will apply until you make six consecutive Minimum Payments when due. 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. Minimum Inte

CASH REWARDS CREDIT CARD AGREEMENT
Credit Card Agreement • May 13th, 2020 • Hawaii

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 16.24%This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances 18.00% Fixed Penalty APR and When it Applies 18.00% FixedThis APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply?: This Penalty APR will apply until you make six consecutive Minimum Payments when due. 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. 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 Bure

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