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Offering great products at great rates – with the level of service you can expect from Bank of Hawaii

Introductory APR

1.00% for the first 12 months1

Estimated Minimum Monthly Payment

$8.202

per $10,000 borrowed

Introductory APR

1.25% for the first 12 months1

Estimated Minimum Monthly Payment

$10.252

per $10,000 borrowed

Current Fully Indexed Variable APR

4.50%1

Estimated Minimum Monthly Payment

$36.892

per $10,000 borrowed

Introductory APR

1.75% for the first 24 months1

Estimated Minimum Monthly Payment

$14.342

per $10,000 borrowed

Introductory APR

1.95% for the first 24 months1

Estimated Minimum Monthly Payment

$15.982

per $10,000 borrowed

Current Fully Indexed Variable APR

4.50%1

Estimated Minimum Monthly Payment

$36.892

per $10,000 borrowed

Introductory APR

2.75% for the first 36 months1

Estimated Minimum Monthly Payment

$22.542

per $10,000 borrowed

Introductory APR

2.95% for the first 36 months1

Estimated Minimum Monthly Payment

$24.182

per $10,000 borrowed

Current Fully Indexed Variable APR

4.50%1

Estimated Minimum Monthly Payment

$36.892

per $10,000 borrowed

Current Fully Indexed Variable APR

4.50%1

Estimated Minimum Monthly Payment

$92.492

per $10,000 borrowed

Annual Percentage Rates Offered

7.00% - 14.50%4

At 7.00% APR

Estimated Minimum Monthly Payment

$308.775

per $10,000 borrowed

At 14.50% APR

Estimated Minimum Monthly Payment

$344.216

per $10,000 borrowed

Annual Percentage Rates Offered

8.00% - 15.50%4

At 8.00% APR

Estimated Minimum Monthly Payment

$202.767

per $10,000 borrowed

At 15.50% APR

Estimated Minimum Monthly Payment

$240.538

per $10,000 borrowed

Annual Percentage Rates Offered

9.50% - 16.25%10

At 9.50% APR

Estimated Minimum Monthly Payment

$36.4611

per $2,000 borrowed

At 16.25% APR

Estimated Minimum Monthly Payment

$47.5511

per $2,000 borrowed

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Footnotes and Disclosures

† With automatic payment from your Bank of Hawaii personal checking or savings account. Please see the Consumer Deposit Account Agreement and Disclosure Statement and Bankoh Consumer Electronic Financial Services Agreement and Disclosure Statement and Fee Schedule for Personal Checking and Savings Accounts for terms, conditions, fees, and additional restrictions that may apply to checking and savings accounts.

1. The Bankoh Home EquityLine introductory Annual Percentage Rate (APR) will be effective for the first 12, 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 September 1 – September 30, 2016. After the Introductory Period, the APR may vary at any time and will be equal to the U.S. Prime Rate, published daily in The Wall Street Journal, plus: (i) a margin of 0.50% for a qualifying first lien or second lien behind a Bank of Hawaii first mortgage on an owner occupied fee simple property if the Combined Loan to Value (CLTV) ratio is < 70%, or (ii) a margin of 1.00% for a qualifying second lien behind a non-Bank of Hawaii first mortgage on an owner occupied fee simple property if the CLTV ratio is < 70%. For APRs calculated above, the current non-introductory fully indexed variable APR as of August 22, 2016, is (i) 4.50% for lines with a 0.50% margin, subject to the 4.50% floor rate, and (ii) 4.50% for lines with a 1.00% margin. 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. Other fully indexed APRs are available for qualifying applications not meeting the above criteria, such as investor properties. There is a $50 annual fee. 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 $10,400 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 this introductory rate, 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.

Applicable Daily Periodic Rates are as follows:

During the Introductory Period
1.00% APR- corresponding Daily Periodic Rate is 0.002732%
1.25% APR- corresponding Daily Periodic Rate is 0.003415%
1.75% APR- corresponding Daily Periodic Rate is 0.004781%
1.95% APR- corresponding Daily Periodic Rate is 0.005328%
2.75% APR- corresponding Daily Periodic Rate is 0.007514%
2.95% APR- corresponding Daily Periodic Rate is 0.008060%

After the Introductory Period
During Draw Period:
4.50% current fully indexed variable APR- corresponding Daily Periodic Rate is 0.012295%
During Repayment Period:
4.50% current fully indexed variable APR- corresponding Daily Periodic Rate is 0.012295%

2. Your Bankoh Home EquityLine minimum monthly payments during the draw period consist of interest and fees, if applicable, and do not include principal. At the end of the draw period, any remaining principal will be amortized over the 15 year repayment period and your monthly payments will be equal to 0.556% of the principal balance at the start of the repayment period, plus accrued interest. The minimum payments calculated above are based on 30 days of accrued interest.

3. Shorter terms are available.

4. APR is based on credit qualification.

5. Based on a $10,000 fully amortized 36 month loan at 7.00% APR.

6. Based on a $10,000 fully amortized 36 month loan at 14.50% APR.

7. Based on a $10,000 fully amortized 60 month loan at 8.00% APR.

8. Based on a $10,000 fully amortized 60 month loan at 15.50% APR.

9. There is an annual fee of $25.

10. The Annual Percentage Rate (APR) as of August 22, 2016 may vary at any time and will be equal to the U.S. Prime Rate, published daily in The Wall Street Journal, plus a margin ranging from 6.00% - 12.75%.

11. Personal FlexLine monthly payment will be equal to 1.042% of the principal balance, plus accrued interest and fees, if applicable. The minimum payments calculated above are based on 30 days of accrued interest.

Subject to change without notice.

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