The United
®
Credit Card
from First Hawaiian Bank
United Credit Card Program Agreement Rev. 09/2019
Thank You for Choosing the United
®
Credit Card
from First Hawaiian Bank
This Guide to Selected Benets and United Credit Card Program Agreement will help you make the
most of your United® Credit Card from First Hawaiian Bank.
If you have questions about the MileagePlus program, please visit united.com.
If you have questions about your credit card account, send us a secure message by logging into your
account at FHB.com, or call our 24-hour customer service line at 1-800-342-2778.
How Can I Earn Award Miles?
1, 2
The Primary
3
Cardholder’s MileagePlus account receives:
Double Miles on United ticket purchases
Earn 2 Miles per $1 spent on United tickets purchased through United ticketing channels.
Double Miles on Gas
Earn 2 Miles per $1 spent on gas purchases.
Double Miles on Groceries
Earn 2 Miles per $1 spent at grocery stores.
Double Miles at Restaurants
Earn 2 Miles per $1 spent at Restaurants (including fast food)
Earn Miles on all other purchases
Earn 1 Mile per $1 spent on all other purchases.
Your Miles Won’t Expire
4
BEST OF ALL: There’s No Cap on How Many Miles You Can Earn
United Credit Card Program Agreement Rev. 09/2019
Special Travel Perks
with United
5
First and Second Standard Checked Bags Free
6
The Primary Cardholder’s rst and second standard
checked bags are free when you use your United
Credit Card from First Hawaiian Bank to purchase your
tickets on United- and United Express-operated ights;
codeshare partner-operated ights are not eligible.
Oversized/overweight/extra baggage service charges
still apply if applicable. You’ll receive waivers on up to
two bags each way. Just remember to include your
United MileagePlus number when making your
reservation, and purchase your ticket(s) with your
United Credit Card. Cardholders who are already
exempt from other checked baggage service charges
will not receive an additional free standard checked
bag. Please allow 2 weeks after account opening for
your rst free standard checked bag to be available
on eligible United reservations.
Two Complimentary United Club
SM
One-Time Passes Annually
Airports become enjoyable destinations when you
visit the United Club. Receive two (2) complimentary
one-time passes to participating United Club locations,
delivered to you electronically upon account opening
and every year on the anniversary date of your
account opening.
7
Once your passes are available in your MileagePlus
account, you can access them in one of three ways:
1. The email notication will include PDF versions of
your passes as attachments.
2. Log in to your MileagePlus account at .
All valid, unused electronic passes deposited to
your MileagePlus account will be viewable and
accessible in “My Accounts.”
3. Sign in to your MileagePlus account on the United
app and select the “My Prole” icon on the top right
corner of the home screen. Your passes are listed
under “Membership and United Club
united.com
SM
passes.”
We strongly encourage you to check your
MileagePlus account at united.com to ensure that
your contact information is up-to-date. United will
send you email notications when your annual
passes have been deposited to your MileagePlus
account. In order to receive these notications,
you must have an email address on le with United.
First Hawaiian Bank will not transmit your email
address to United.
For a list of United Club locations, and for Club
terms and conditions and access policies, visit
united.com/unitedclub.
8
Take Your Miles Even Further
9
Using your Miles for Award Travel is quick and easy
on united.com.
8
Expanded award availability
When booking an award ticket, you’ll enjoy expanded
award availability when you use miles to book
award travel on United-operated ights – with no
blackout dates.
10
Complimentary Premier Upgrades on award tickets
Do you have MileagePlus Premier Status? The Primary
Cardholder will be eligible for Complimentary Premier
Upgrades on award tickets when traveling on select
United-operated ights (when available).
11
Learn more about Premier status at
https://www.united.com/web/en-us/content/
mileageplus/premier/
Your MileagePlus account is right at your ngertips
at united.com. Make sure to keep your MileagePlus
email address up-to-date and subscribe to email
communications to receive the latest news from
United and MileagePlus. Sign up today at
www.united.com/emailsubscribe.
United Credit Card Program Agreement Rev. 09/2019
1
Miles accrued, awards, and benefits issued are subject to change and are subject to the rules of
the United MileagePlus
®
program, including without limitation the Premier
®
program (the “MileagePlus
Program”), which are expressly incorporated herein. Please allow 6-8 weeks after completed qualifying
activity for miles to post to your account. United may change the MileagePlus Program including, but
not limited to, rules, regulations, travel awards, and special offers or terminate the MileagePlus Program
at any time and without notice. United and its subsidiaries, affiliates, and agents are not responsible for
any products or services of other participating companies and partners. Taxes and fees related to award
travel are the responsibility of the member. Bonus award miles, award miles, and any other miles earned
through non-flight activity do not count toward qualification for Premier status unless expressly stated
otherwise. The accumulation of mileage or Premier status or any other status does not entitle members
to any vested rights with respect to the MileagePlus Program. MileagePlus Program participation may not be
permitted in some countries. All calculations made in connection with the MileagePlus Program, including
without limitation with respect to the accumulation of mileage and the satisfaction of the qualification
requirements for Premier status, will be made by United Airlines and MileagePlus in their discretion
and such calculations will be considered final. Information in this communication that relates to the
MileagePlus Program does not purport to be complete or comprehensive and may not include all of the
information that a member may believe is important, and is qualified in its entirety by reference to all of
the information on the united.com website and the MileagePlus Program rules. United and MileagePlus
are registered service marks. For complete details about the MileagePlus Program, go to united.com.
2
Purchases made at department stores, superstores, discount stores, and warehouse clubs are not eligible
to receive additional Miles beyond one (1) Mile per $1 spent. Please see the United Credit Card Program
Agreement below for full details, terms, and conditions on how Miles are calculated.
3
The Primary Cardholder is the cardholder whose MileagePlus account number is associated with the
credit card account. Joint card accounts will only have one Primary Cardholder. Please see the United
Credit Card Program Agreement below for details. All Miles are awarded to the Primary Cardholder’s
MileagePlus account.
4
Subject to the terms and conditions of the United MileagePlus program.
5
First Hawaiian Bank is not responsible for the provision of, or failure to provide, travel accommodations or
benefits provided by United.
6
The Primary Cardholder’s first and second checked bags are free when traveling on United and United
Express-operated flights with tickets purchased with his or her United Credit Card. This fee waiver is only
available only on United and United Express-operated flights. Service charges for oversized, overweight,
and extra baggage may still apply. This benefit cannot be combined with any other benefit that
exempts cardholders from checked baggage service charges. First Hawaiian Bank is not responsible for
the provision of or failure to provide said benefits.
7
United Credit Card accounts that are open and in good standing upon their anniversary date will receive
two complimentary United Club one-time passes. These passes are valid for use at any participating United
Club. Please allow 4 - 6 weeks for passes to be deposited to eligible United MileagePlus accounts. Each
pass admits one person for one visit to a participating United Club location. You must present your valid
one-time pass, a government-issued photo ID (such as a driver’s license, passport, or Military ID), and
a same-day boarding pass to gain access to United Club locations. Passes are not assignable and have
no cash value. Each United Club pass is subject to the expiration date located on the pass. Access to a
United Club location is subject to the United Club terms & conditions and access policies, each of which is
subject to change, with or without notice. Access is subject to space availability. Other terms, conditions,
and restrictions may apply. For additional information regarding the United Club, please visit united.com/
unitedclub.
8
United Club access is capacity-controlled. Amenities may vary by location. We strongly advise you to
research lounges before visiting them. United reserves the right to modify pricing, benefits, services,
hours, club locations, and reciprocal lounge agreements at any time with or without written notice to its
members and customers. First Hawaiian Bank is not responsible for the provision of, or failure to provide,
United Club lounge amenities.
9
First Hawaiian Bank is not responsible for the provision of, or failure to provide, travel accommodations or
benefits provided by United. Award pricing is subject to change without notice. Passenger is responsible
for all taxes, fees, baggage fees and surcharges applicable to award travel, including, with respect to
government imposed taxes and fees, September 11th Security Fee of $5.60 per one-way trip that does
not include a government defined stopover, US Customs, Immigration and APHIS User Fees of $16.73
for each international arrival in the U.S.; and non-U.S. government ticket taxes, fees and airport charges
may add up to $300 per ticket as of January 1, 2019. Such taxes, fees and surcharges must be paid at
the time of ticketing and are subject to change. Any valid unused award ticket may be returned to the
MileagePlus Service Center, for a service charge, up to one year from the date of issue. Award seats are
subject to availability and capacity-control restrictions apply. For more information on MileagePlus award
travel visit united.com/awards.
10
The Primary Cardholder will enjoy greater access to award seat inventory than general MileagePlus
members who do not have Premier status. For complete details about the MileagePlus Program, visit
united.com.
11
Upgrades are available on selected United- and United Express-operated flights, subject to availability.
Travel companions and cardholders who are not the Primary Cardholder are not eligible to take advantage
of this benefit. Assignment of upgrades on award tickets within each Premier level will be prioritized after
the lowest paid fare class.
United Credit Card Program Agreement
By requesting participation in First Hawaiian Bank’s United Credit Card
Program (the “Program”) you agree to be bound by all the terms of this
United Credit Card Program Agreement (“Agreement”).
In this Agreement, the words “you” or “your” mean everyone who applied
for or requested membership in the Program as well as any other person
who is a joint cardholder on a United Credit Card (“Credit Card Account”)
used under the Program. The words “we,” “us,” “our,” or “Bank” mean First
Hawaiian Bank. Unless otherwise dened herein, capitalized terms shall
have the meanings given in the United Credit Card Agreement governing
your Card Account (“Card Agreement”).
United MileagePlus Miles earned through the use of your Credit Card
Account are called “Miles.” The “United MileagePlus Program” is the loyalty
program established and maintained by United. United will maintain
an account for the Primary Cardholder (dened below) to keep track of
Miles earned. United MileagePlus participation may not be permitted in
some countries. Miles accrued, awards, and benets issued are subject to
change and are subject to the rules of the United MileagePlus program,
including without limitation the Premier
®
program (the “MileagePlus
Program”), which are expressly incorporated herein. Please allow 6-8
weeks after completed qualifying activity for miles to post to your account.
United may change the MileagePlus Program including, but not limited
to, rules, regulations, travel awards and special offers or terminate
the MileagePlus Program at any time and without notice. United and its
subsidiaries, aliates and agents are not responsible for any products or
services of other participating companies and partners. Taxes and fees
related to award travel are the responsibility of the member. Bonus award
miles, award miles and any other miles earned through non-ight activity
do not count toward qualication for Premier status unless expressly
stated otherwise. The accumulation of mileage or Premier status or any
other status does not entitle members to any vested rights with respect to
the MileagePlus Program. All calculations made in connection with
the MileagePlus Program, including without limitation with respect to
the accumulation of mileage and the satisfaction of the qualication
requirements for Premier status, will be made by United Airlines and
MileagePlus in their discretion and such calculations will be considered
nal. Information in this communication that relates to the MileagePlus
Program does not purport to be complete or comprehensive and may
not include all of the information that a member may believe is important,
and is qualied in its entirety by reference to all of the information on
the united.com website and the MileagePlus Program rules. United and
MileagePlus are registered service marks. For complete details about the
MileagePlus Program, go to www.united.com.
Automatic Enrollment in
United MileagePlus Program
• If the “Applicant” listed on your application is not already a member of
the United MileagePlus Program, the applicant is automatically enrolled
in the United MileagePlus Program with the opening of the Credit Card
Account. If there is more than one of you, any joint applicant on your
application or request will not be automatically enrolled in the United
MileagePlus Program as a result of your request for the Credit Card
Account. The “Applicant” shown on your application is considered the
“Primary Cardholder.” If, however, on your application or request for the
Credit Card Account you listed a United MileagePlus account number,
the owner of the MileagePlus account so listed will be considered the
“Primary Cardholder.”
Accumulation of Miles
• The Primary Cardholder will receive: Two (2) Miles for every $1.00 spent
on net qualifying purchases of tickets from Guam and Saipan United
ticketing channels or online through United.com; Two (2) Miles for every
$1.00 spent on net qualifying purchases of gasoline and groceries;
and One (1) Mile for all other net qualifying purchases.
United Credit Card Program Agreement Rev. 09/2019
• If there are more than one of you, any Miles earned through the use of
your Credit Card Account will only be credited to the Primary Cardholder’s
United MileagePlus account.
• 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 Miles
from your United MileagePlus Program account maintained by United.
• Cash withdrawals, cash equivalents, annual fees, and other Credit Card
Account related fees do not earn Miles.
• Purchases must be submitted by eligible merchants to qualify for additional
Miles beyond one (1) Mile per $1 spent. Eligibility is determined by
the merchant’s Merchant Category Code (MCC). We will determine
which MCCs t in special grocery and gas purchase categories; however,
we do not control how MCCs are assigned to merchants. There may
be times when a merchant is ineligible based on its MCC even though
the merchant or some of its merchandise appears to t in a special
purchase category. First Hawaiian Bank reserves the right to determine
which purchases qualify. First Hawaiian Bank is not aliated with any
merchants, nor is any merchant a sponsor of the United Program. United,
its subsidiaries, aliates, and agents are not responsible for any products
and services of other participating companies or partners.
• Without limiting the foregoing, purchases at department stores, super-
stores, and warehouse clubs are not eligible to receive additional Miles.
• On your periodic statement, we will show you the amount of Miles
earned, if any, for the billing period covered by the statement. By
requesting the Credit Card Account, you have authorized us to report
to United every month the amount of your Purchases eligible to earn
Miles, along with the Primary Cardholder’s name and address.
• In order to earn miles with your United Credit Card, your Card Account
must be open and in good standing. If your Credit Card Account is either
closed or delinquent on the statement billing date, you will not earn any
Miles even if you made Purchases during the billing period with your
Credit Card Account. Determinations of what constitutes a closed Card
Account or Credit Card Account in good standing will be made at our
sole discretion. You are not eligible to earn any miles with your Credit
Card Account if your Credit Card Account is closed.
Transferring Miles
• Miles can be transferred from your MileagePlus account to another
MileagePlus account at united.com.
• United may charge you a transfer fee determined by the number of miles
you transfer from your account, as well as a processing fee for the transfer.
• First Hawaiian Bank is not responsible for fees related to transferring
Miles, nor do we have any control over how such fees are assessed.
Restrictions on Earning/Transferring Miles
• We may prohibit you from earning Miles or may not transfer Miles already
earned to United if we suspect that you have engaged in fraudulent
activity related to your account or this Program; or if we suspect that
you have misused this Program in any way, for example, by opening
multiple card accounts in a period of less than 2 years (24 months) for
the purpose of gaining promotional new account bonus Miles.
• Fraud or abuse in relation to the credit of Miles to any Cardholder’s
MileagePlus account shall be subject to appropriate administrative and/
or legal action by MileagePlus Holdings, including the forfeiture of any
Miles issued and any Miles accrued in any such MileagePlus account, as
well as cancellation of the account and Cardholder’s future participation
in the MileagePlus Program.
Redemption of Miles
• All Miles earned using your United Credit Card are redeemed in
accordance with the United MileagePlus program rules. To use Miles, or
if you have any questions or problems regarding your United MileagePlus
account, visit united.com.
• Award pricing is subject to change without notice. Passenger is
responsible for all taxes, fees, baggage fees and surcharges applicable
to award travel, including, with respect to government imposed taxes
and fees, September 11th Security Fee of $5.60 per one-way trip that
does not include a government dened stopover, US Customs,
Immigration and APHIS User Fees of $16.73 for each international arrival
in the U.S.; and non-U.S. government ticket taxes, fees and airport
charges may add up to $300 per ticket. Such taxes, fees and surcharges
must be paid at the time of ticketing and are subject to change. Any
valid unused award ticket may be returned to the MileagePlus Service
Center, for a service charge, up to one year from the date of issue.
Award seats are subject to availability and capacity-control restrictions
apply. For more information on MileagePlus award travel visit united.
com/awards.
Change in Terms
• United may change the United MileagePlus program rules, regulations,
travel awards and special oers or terminate the MileagePlus program
at any time and without notice.
• We also have the right to add or delete benets and services to your
Credit Card Account, including terms of this Program, at any time without
prior notice.
Other Important Terms
• Accumulated Miles do not constitute your property, have no cash value,
and cannot be bought, sold or transferred in any way without the
express consent of United (including by reason of death, as part of a
domestic relations matter, or otherwise by operation of law).
• Please consult your tax advisor concerning any income or other tax
consequences that may be related to the Program. Liability for any
applicable federal, state, or local tax arising out of the accumulation or
redemption of Miles shall be your sold responsibility.
• The Program is void where prohibited by federal, state or local law.
• Neither our failure to exercise any of our rights under this Agreement,
nor our delay in enforcing or exercising any of our rights, shall constitute
a waiver of such rights. If we waive any right under this Agreement on one
occasion, such waiver shall no operate as a waiver to any other occasion.
• Our sole obligation concerning the award and redemption of United
MileagePlus Miles shall be to make valid requests for miles to United
for award to the Primary Cardholder’s United MileagePlus Miles
account and to purchase those miles approved by United. Other than
this obligation, we are not otherwise liable or responsible for the award,
redemption or use of United MileagePlus Miles or any loss of United
MileagePlus Miles or United MileagePlus Miles award travel and
benets. United has sole responsibility and decision-making authority
for the United MileagePlus Program, the award and redemption of United
MileagePlus Miles, and the issuance of award travel and benefits
under the United MileagePlus Program. All terms and conditions of the
United MileagePlus Program shall apply.
WE HAVE ABSOLUTELY NO RESPONSIBILITY FOR THE QUALITY OF
PRODUCTS OR SERVICES OBTAINED BY REDEMPTION OF UNITED
MILEAGEPLUS MILES. WE SHALL NOT BE LIABLE FOR ANY BODILY
HARM AND/OR PROPERTY DAMAGE THAT MAY RESULT FROM
YOUR PARTICIPATION IN THE UNITED MILEAGEPLUS PROGRAM
OR FOR THE PERFORMANCE BY ANY AIRLINE OR OTHER CARRIER FOR
TRANSPORTATION SERVICES TO BE PROVIDED THROUGH THE PROGRAM.
WE DO NOT ENDORSE, GUARANTY, OR WARRANT THE GOODS AND
SERVICES OFFERED BY ANY AIRLINE, OTHER COMMON CARRIER,
LODGING ESTABLISHMENT OR ANY OTHER TRAVEL VENDOR
PARTICIPATING IN THE UNITED MILEAGEPLUS PROGRAM. TO THE
FULLEST EXTENT PERMITTED BY LAW, WE HEREBY SPECIFICALLY
DISCLAIM ANY REPRESENTATIONS OR WARRANTIES, EXPRESS OR
IMPLIED, REGARDING THE UNITED MILEAGEPLUS PROGRAM, MILES,
TRAVEL REWARDS, AND ANY PRODUCTS OR SERVICES, INCLUDING
ANY WARRANTY OR MERCHANTABILITY OR FITNESS FOR A PARTICULAR
PURPOSE OR IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING
OR COURSE OF PERFORMANCE.
United Credit Card Program Agreement Rev. 09/2019
