¹  The Bankoh Home EquityLine introductory Annual Percentage Rate ("APR") will be effective for the first 48 or 60 months from the date your new Bankoh Home EquityLine account is opened (the "Introductory Period"). Offer is valid for qualifying applications received 6/1/2023-6/30/2023. After the Introductory Period, the APR may vary at any time and will be equal to the U.S. Prime Rate, published in the Money Rates section of The Wall Street Journal, plus a margin of 0.50% for a qualifying second lien behind a Bank of Hawaii first mortgage on an owner occupied fee simple property if the Combined Loan to Value ratio is ≤ 70%. For introductory APRs provided above, the current non-introductory fully indexed variable APR, as of 5/22/2023, is 8.75%, for lines with a 0.50% margin. Other fully indexed APRs are available for qualifying applications ranging from 8.25% - 10.00%, for margins ranging from 0.00% to 1.75%, respectively. In no event will the APR be less than 4.50% or more than 19.00% for properties located in the State of Hawaii and 18.00% for properties located in the territory of Guam. There is a $75 annual fee. Payments to third parties of certain fees, which generally total between $0 and $6,000 for Hawaii ($1,400 - $4,900 for Guam) may be required at closing. Any existing junior liens you may have must be paid off and may be paid by an initial draw from the new line of credit. The initial advance must be $20,000 or more (applicable for Guam only). Property that will secure your home equity account must be located in the State of Hawaii or territory of Guam. You must also maintain fire, hurricane, and flood (if in a flood hazard zone) insurance on the property that secures the home equity account located in Hawaii or fire, typhoon, and flood (if in a flood hazard zone) insurance on the property that secures the home equity account located in Guam. If you have an existing Bank of Hawaii home equity line account, it will not be eligible for these introductory APRs, unless (1) your account has been paid off and closed at least 6 months prior to submitting a new application, or (2) your existing Bank of Hawaii home equity line’s draw period is scheduled to end within the next 12 months and a new application is submitted. Certain requirements and restrictions may apply. Subject to change. Loan approval is required. See the Bankoh Home EquityLine Application Disclosures and all current addenda for terms and conditions.
²  With automatic payments from your Bank of Hawaii personal checking or savings account.  Please see your deposit account agreement, disclosures, and fee schedule for terms, conditions, fees, and additional restrictions that may apply. Without automatic payments, the APR will be 7.55% or 7.65% for the first 48 or 60 months, respectively.

¹  The Bankoh Home EquityLine introductory Annual Percentage Rate ("APR") will be effective for the first 24 or 36 months from the date your new Bankoh Home EquityLine account is opened (the "Introductory Period"). Offer is valid for qualifying applications received 6/1/2023-6/30/2023. After the Introductory Period, the APR may vary at any time and will be equal to the U.S. Prime Rate, published in the Money Rates section of The Wall Street Journal, plus a margin of 0.50% for a qualifying second lien behind a Bank of Hawaii first mortgage on an owner occupied fee simple property if the Combined Loan to Value ratio is ≤ 70%. For introductory APRs provided above, the current non-introductory fully indexed variable APR, as of 5/22/2023, is 8.75%, for lines with a 0.50% margin. Other fully indexed APRs are available for qualifying applications ranging from 8.25% - 10.00%, for margins ranging from 0.00% to 1.75%, respectively. In no event will the APR be less than 4.50% or more than 19.00% for properties located in the State of Hawaii and 18.00% for properties located in the territory of Guam. There is a $75 annual fee. Payments to third parties of certain fees, which generally total between $0 and $6,000 for Hawaii ($1,400 - $4,900 for Guam) may be required at closing. Any existing junior liens you may have must be paid off and may be paid by an initial draw from the new line of credit. The initial advance must be $20,000 or more (applicable for Guam only). Property that will secure your home equity account must be located in the State of Hawaii or territory of Guam. You must also maintain fire, hurricane, and flood (if in a flood hazard zone) insurance on the property that secures the home equity account located in Hawaii or fire, typhoon, and flood (if in a flood hazard zone) insurance on the property that secures the home equity account located in Guam. If you have an existing Bank of Hawaii home equity line account, it will not be eligible for these introductory APRs, unless (1) your account has been paid off and closed at least 6 months prior to submitting a new application, or (2) your existing Bank of Hawaii home equity line’s draw period is scheduled to end within the next 12 months and a new application is submitted. Certain requirements and restrictions may apply. Subject to change. Loan approval is required. See the Bankoh Home EquityLine Application Disclosures and all current addenda for terms and conditions.
²  With automatic payments from your Bank of Hawaii personal checking or savings account.  Please see your deposit account agreement, disclosures, and fee schedule for terms, conditions, fees, and additional restrictions that may apply. Without automatic payments, the APR will be 7.35% or 7.45% for the first 24 or 36 months, respectively.

¹  Applicable for applications received 6/1/2023-6/30/2023. Available for new accounts and line increases, with a minimum amount of $10,000 at loan closing only. Monthly payments for Fixed Rate Loan Options (“FRLO”) are in addition to your minimum monthly payment on the variable rate portion of your home equity line. Other Fixed Rate Loan Options with varying rates and terms are available upon request. Other requirements and restrictions may apply.

²  The monthly payment per $10,000 borrowed for a 30-year FRLO at a 7.05% APR is approximately $66.87 (360 monthly payments of principal and interest).

³  Available for new lines or line increases up to $400,000 secured by properties without an existing first mortgage or whose first mortgage will be paid off by an initial draw from the new line of credit or line increase. The monthly payment per $10,000 borrowed for a 30-year FRLO at a 6.90% APR is approximately $65.86 (360 monthly payments of principal and interest).

¹  The Bankoh Home EquityLine introductory Annual Percentage Rate ("APR") will be effective for the first 48 or 60 months from the date your new Bankoh Home EquityLine account is opened (the "Introductory Period"). Offer is valid for qualifying applications received 6/1/2023-6/30/2023. After the Introductory Period, the APR may vary at any time and will be equal to the U.S. Prime Rate, published in the Money Rates section of The Wall Street Journal, plus a margin of 0.50% for a qualifying second lien behind a Bank of Hawaii first mortgage on an owner occupied fee simple property if the Combined Loan to Value ratio is ≤ 70%. For introductory APRs provided above, the current non-introductory fully indexed variable APR, as of 5/22/2023, is 8.75%, for lines with a 0.50% margin. Other fully indexed APRs are available for qualifying applications ranging from 8.25% - 10.00%, for margins ranging from 0.00% to 1.75%, respectively. In no event will the APR be less than 4.50% or more than 19.00% for properties located in the State of Hawaii and 18.00% for properties located in the territory of Guam. There is a $75 annual fee. Payments to third parties of certain fees, which generally total between $0 and $6,000 for Hawaii ($1,400 - $4,900 for Guam) may be required at closing. Any existing junior liens you may have must be paid off and may be paid by an initial draw from the new line of credit. The initial advance must be $20,000 or more (applicable for Guam only). Property that will secure your home equity account must be located in the State of Hawaii or territory of Guam. You must also maintain fire, hurricane, and flood (if in a flood hazard zone) insurance on the property that secures the home equity account located in Hawaii or fire, typhoon, and flood (if in a flood hazard zone) insurance on the property that secures the home equity account located in Guam. If you have an existing Bank of Hawaii home equity line account, it will not be eligible for these introductory APRs, unless (1) your account has been paid off and closed at least 6 months prior to submitting a new application, or (2) your existing Bank of Hawaii home equity line’s draw period is scheduled to end within the next 12 months and a new application is submitted. Certain requirements and restrictions may apply. Subject to change. Loan approval is required. See the Bankoh Home EquityLine Application Disclosures and all current addenda for terms and conditions.
²  With automatic payments from your Bank of Hawaii personal checking or savings account.  Please see your deposit account agreement, disclosures, and fee schedule for terms, conditions, fees, and additional restrictions that may apply. Without automatic payments, the APR will be 7.55% or 7.65% for the first 48 or 60 months, respectively.

¹  The Bankoh Home EquityLine introductory Annual Percentage Rate ("APR") will be effective for the first 24 or 36 months from the date your new Bankoh Home EquityLine account is opened (the "Introductory Period"). Offer is valid for qualifying applications received 6/1/2023-6/30/2023. After the Introductory Period, the APR may vary at any time and will be equal to the U.S. Prime Rate, published in the Money Rates section of The Wall Street Journal, plus a margin of 0.50% for a qualifying second lien behind a Bank of Hawaii first mortgage on an owner occupied fee simple property if the Combined Loan to Value ratio is ≤ 70%. For introductory APRs provided above, the current non-introductory fully indexed variable APR, as of 5/22/2023, is 8.75%, for lines with a 0.50% margin. Other fully indexed APRs are available for qualifying applications ranging from 8.25% - 10.00%, for margins ranging from 0.00% to 1.75%, respectively. In no event will the APR be less than 4.50% or more than 19.00% for properties located in the State of Hawaii and 18.00% for properties located in the territory of Guam. There is a $75 annual fee. Payments to third parties of certain fees, which generally total between $0 and $6,000 for Hawaii ($1,400 - $4,900 for Guam) may be required at closing. Any existing junior liens you may have must be paid off and may be paid by an initial draw from the new line of credit. The initial advance must be $20,000 or more (applicable for Guam only). Property that will secure your home equity account must be located in the State of Hawaii or territory of Guam. You must also maintain fire, hurricane, and flood (if in a flood hazard zone) insurance on the property that secures the home equity account located in Hawaii or fire, typhoon, and flood (if in a flood hazard zone) insurance on the property that secures the home equity account located in Guam. If you have an existing Bank of Hawaii home equity line account, it will not be eligible for these introductory APRs, unless (1) your account has been paid off and closed at least 6 months prior to submitting a new application, or (2) your existing Bank of Hawaii home equity line’s draw period is scheduled to end within the next 12 months and a new application is submitted. Certain requirements and restrictions may apply. Subject to change. Loan approval is required. See the Bankoh Home EquityLine Application Disclosures and all current addenda for terms and conditions.
²  With automatic payments from your Bank of Hawaii personal checking or savings account.  Please see your deposit account agreement, disclosures, and fee schedule for terms, conditions, fees, and additional restrictions that may apply. Without automatic payments, the APR will be 7.35% or 7.45% for the first 24 or 36 months, respectively.