Step 3 : Acceptance of Agreement

Please read the following carefully and click on 'Accept' to continue or 'Decline' to stop the enrollment process.

FHB ONLINE
and
FHB ONLINE FOR  BUSINESS

Amendment of Terms and Conditions
Receiving Statements Electronically

I.          Introduction.  By requesting electronic delivery of your periodic statement, you agree to the terms of this Amendment, as well as any online instructions we provide concerning electronic statements. This Amendment supplements, but does not replace, the Terms and Conditions for FHB Online and FHB Online for Business (collectively called "FHB Online"). In addition, as applicable, this Amendment supplements, but does not replace, the following: (i) the Deposit Account Rules and Regulations and Other Information ("Deposit Rules") applicable to your First Hawaiian Bank ("FHB") deposit accounts; (ii) the Yes-Check Reserve Line of Credit Account Agreement (“Yes-Check Agreement”) applicable to any Yes-Check account that you have with FHB; and (iii) cardholder agreements for any MasterCard or Visa credit card that was issued to you by FHB (the “Credit Card Agreement”).

II.        Receiving Statements Electronically.

1. Who Can Request Electronic Statements. You must be enrolled in FHB Online and provide us with your current e-mail address to request electronic delivery of your statement.

2. Joint Accounts. If you have a joint account, any one of the accountholders can request electronic delivery of the statement. Any one of the joint accountholders can also terminate electronic statements at any time, as described in Section IV below.

3. Types of Accounts with Electronic Statements. There will be an account list in the Statement section indicating which accounts are eligible for electronic statements. If you receive a paper combined statement listing various FHB accounts, your electronic statement will continue to show the same accounts unless you have requested a change to the account included in your combined statement. If you have more than one checking account listed on a combined statement, you will only be able to select electronic statements for the primary checking account. If you request an electronic statement for the checking account to which your Yes-Check account is linked, you will also receive your Yes-Check statement electronically (see below for special information regarding electronic Yes-Check statements).

4. Selecting Statement Preference. When you request that your statement be delivered electronically by selecting the “eStatements” option, you will no longer receive paper statements. This election will continue to apply until a change in delivery methods is implemented as provided below (please see paragraph IV.1 below on how to cancel electronic statements). If you want to receive both electronic and paper statements for any account(s) other than credit card accounts, you may request this by making that selection through FHB Online. The option of receiving both electronic and paper statements is not available for credit card accounts. You must choose either electronic or paper statements for credit card accounts.

5. Paper Statement Fee. A fee of $5.00/mo. will be charged each month on accounts that receive a paper statement in addition to an eStatement. There is no fee to receive either a paper statement or an eStatement. As noted above, the option of receiving both electronic and paper statements is not available for credit card accounts.

6. Checking Accounts: No Returned Checks. If you receive images of your cancelled checks with your paper checking account statement, when you request electronic delivery of your statement you will automatically be enrolled in our CheckStorage service, and you will no longer receive your cancelled check images. Our CheckStorage service stores images of your cancelled checks. You can obtain imaged copies of cancelled checks by contacting any FHB branch. There is no charge for our CheckStorage service, but there is a per item fee if you request more than six image copies of cancelled checks per statement period.

7. Special Information for Electronic Yes-Check and Credit Card Statements. When you receive your Yes-Check or credit card statement electronically, we will not mail you a paper billing statement. You may make payments by any method permitted under the Yes-Check Agreement or the Credit Card Agreement, as applicable.

8. All Other Statement Requirements Continue to Apply. All of the terms and conditions relating to statements contained in the FHB Online Terms and Conditions, Deposit Rules, Yes-Check Agreement, and/or Credit Card Agreement (as applicable) continue to apply to your statement when it is delivered electronically. For example, you must continue to review your statement and report any errors to us within the time limits described in the FHB Online Terms and Conditions, Deposit Rules, Yes-Check Agreement, and/or Credit Card Agreement, using the date your electronic statement was delivered as the “mailing” date.

III.       How to Access Electronic Statements.

1. Notification via E-Mail. When your electronic statement is available for viewing, we will send you an e-mail notification to the e-mail address you provide to us for FHB Online. The notification will contain instructions for you to use to access your electronic statement. In order to access your electronic statement, you will need to log on to FHB Online and follow the instructions provided.

2. Accessing Your Electronic Statement. In order to view your electronic statement, you will need to use the adobe acrobat reader, which is available free at http://get.adobe.com/reader/. The FHB Online Terms and Conditions contain information on the requirements necessary to access FHB Online.

3. Change in Your E-Mail Address. If you change your email address, you need to provide us with your new email address in order to continue receiving email notification that your electronic statement is available for viewing. To change your email address, log into FHB Online and click on Settings. Your statement will remain available to you electronically at FHB Online until a change in delivery methods is implemented as provided below.

IV.       Termination of Electronic Statements.

1. By you. If you decide that you would rather receive paper statements by mail, you can request that we stop delivering your statement electronically by changing your statement delivery preference for the specific account on FHB Online. It will take us one full statement cycle before we can stop delivering your statement electronically, but in the meantime you can request a paper copy of your statement if necessary. If you want to have your cancelled check images returned with your paper checking account statement, you will also need to cancel CheckStorage by notifying your branch (there may be a fee for having your check images returned). If you terminate your use of FHB Online, you will be automatically converted to paper statements for your account(s). If you close an account receiving electronic statements, your closed account will be accessible in an inquiry-only status on FHB Online for thirty days after it is closed to enable you to view your final statement. We will not send you a paper statement for your final statement.

2. By us. We reserve the right to stop delivering your statement electronically at any time by giving you a notice. If we close an account receiving electronic statements, your closed account will be accessible in an inquiry-only status on FHB Online for a limited period of time after it is closed to enable you to view your final statement, and you will not be sent a final paper statement. If we decide to stop delivering your statement electronically or terminate your use of FHB Online, we will continue to send you paper statements.