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Product Term Annual Percentage Rate (APR) Daily Periodic Rate Estimated Minimum Monthly Payment
Bankoh Home
EquityLine


Visit Any Branch and bring in a completed application:

Hawaii Application
Guam Application
10 year draw,
15 year repayment
Introductory APR:
1.25% for the
first 12 months1
or
Introductory APR:
1.95% for the first
24 months1
0.003425% $10.272
per $10,000 borrowed
0.005342% $16.032
per $10,000 borrowed
Current APR:
4.50% current fully
indexed variable APR
as of March 1, 2014 subject to the 4.50% floor rate1
0.012329% During Draw Period:
$36.992
per $10,000 borrowed
0.012329% During Repayment Period:
$92.592
per $10,000 borrowed
Bankoh Home
EquityLine

(Fixed Rate Loan
Option)


Visit Any Branch and bring in a completed application:

Hawaii Application
Guam Application
3 years 4.50%3 0.012329% $297.474
per $10,000 borrowed
5 years 4.50%3 0.012329% $186.434
per $10,000 borrowed
7 years 4.50%3 0.012329% $139.004
per $10,000 borrowed
10 years 4.50%5 0.012329% $103.644
per $10,000 borrowed
15 years 4.65%5 0.012740% $77.274
per $10,000 borrowed
20 years 5.40%3 0.014795% $68.234
per $10,000 borrowed
25 years6 5.40%3 0.014795% $60.814
per $10,000 borrowed
Bankoh Personal Loan
(Unsecured)


24-36 months As low as
7.00%7
- $447.738
per $10,000 borrowed
36-60 months As low as
8.00%7
- $244.139
per $10,000 borrowed
Bankoh Personal FlexLine10


2 year draw period As low as
9.25%11
0.025342% $36.0512
per $2,000 borrowed
Bankoh CoverCheck10
N/A 15.25%13 0.041781% $8.3314
per $250 borrowed
  1. The Bankoh Home EquityLine introductory Annual Percentage Rate (APR) of 1.25% or 1.95% will be effective for the first 12 or 24 months respectively, from the date your new Bankoh Home EquityLine account is opened (the “Introductory Period”). Introductory rate discounts available for Bankohana Level II or III customers who sign up for automatic payments from a Bankohana Level II or III checking account on their application. Offer is valid for qualifying applications received between April 1, 2014 – May 31, 2014. 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 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 combined loan-to-value is < 70%. The current non-introductory fully indexed variable APR as of March 1, 2014, subject to the 4.50% floor rate, is 4.50%. In no event will the APR be less than 4.50% or more than 19.00% for Hawaii and 18.00% for 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. Payments to third parties of certain fees, which generally total between $0 and $1,700 ($950 - $5,200 for Guam) may be required at closing, and are not waived as part of this offer. Any existing junior liens must be paid off and may be paid by an initial draw from the new line of credit. The initial advance must be $10,000 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 flood hazard zone) insurance on the property that secures the home equity account located in Hawaii or fire, typhoon, and flood (if in flood hazard zone) insurance on the property that secures the home equity account located in Guam. Existing home equity accounts are not eligible for this offer. Certain requirements and restrictions may apply. Subject to loan approval.
  2. The Bankoh Home Equityline payments during the draw period are interest only and do not include principal. At the end of the draw period, remaining principal will be amortized over the 15 year repayment period and monthly payments will be equal to 0.556% of the principal balance, plus accrued interest. The minimum payments calculated above are based on 30 days of accrued interest.
  3. The rate for the Fixed Rate Loan Option ("FRLO") is determined at the time the option is exercised and is fixed. FRLOs are fully amortized over the term selected and the monthly payments are in addition to minimum monthly payments on the variable rate portion of your line.
  4. The Fixed Rate Loan Options ("FRLO") are fully amortized over the term selected and the monthly payments are in addition to minimum monthly payments on the variable rate portion of your line. The payment shown is an estimate and will depend on (1) the number of days between the date the FRLO is established and the next payment due date (if greater than thirty days, the payment may be larger than the estimate shown) and (2) the total number of days in the requested FRLO term.
  5. Discounted 10 and 15 year Fixed Rate Loan Options (“FRLO”) Annual Percentage Rates (“FRLO APRs”) are applicable only if the FRLOs are established at account opening with a minimum $10,000 draw. The FRLO APR is determined by adding a discounted margin of 1.25% to the Weekly Average Yield on the 10 or 20-year U.S. Treasury Notes respectively, published on the second to the last Monday of the prior month (“Index”). The FRLO APR will be subject to the existing floor rate of 4.50%. If the FRLO is not established at account opening, or is less than $10,000, the margin to be added to the Index will remain at 2.00%. The discounted margin is valid for qualifying applications received between April 1 – April 30, 2014. The non-discounted 10 year FRLO APR, effective April 1, 2014, is 4.70%, and is subject to change based on the Index; the estimated minimum monthly payment per $10,000 borrowed is $104.61. The non-discounted 15 year FRLO APR, effective April 1, 2014, is 5.40%, and is subject to change based on the Index; the estimated minimum monthly payment per $10,000 borrowed is $81.18.
  6. The 25-year Fixed Rate Loan Option can only be exercised at time of account origination. Other fixed rate loan terms and interest rates are available throughout the 10-year Draw Period of the line.
  7. APR is subject to credit qualifications.
  8. Based on a $10,000 fully amortized 24 month loan at 7.00% APR.
  9. Based on a $10,000 fully amortized 36 month loan at 8.00% APR.
  10. There is an annual fee of $25.
  11. The Annual Percentage Rate (APR) as of April 1, 2014 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, starting at 6.00%.
  12. Personal FlexLine monthly payment based on 1.042% of the outstanding balance due, plus accrued interest (thirty days of the daily periodic rate).
  13. The Annual Percentage Rate (APR) as of April 1, 2014 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 of 12.00%, or is fixed at 15.25% in Palau.
  14. CoverCheck monthly payment based on 2.08% of the outstanding balance plus accrued interest (thirty days of the daily periodic rate).
*Forbes Magazine, December 19, 2013 - Forbes.com

Subject to change without notice.