Home Equity Line of Credit - HELOC

¹ The Bankoh Home EquityLine (also referred to as HELOC) introductory Annual Percentage Rate ("APR") will be effective for the first 24, 36, 48 or 60 months (as applicable based on your selection) from the date your new Bankoh Home EquityLine account is opened (the "Introductory Period"). The introductory APR is effective 4/1/2026-4/30/2026, HST, for qualifying applications received 4/1/2026-4/30/2026, HST. In order to qualify for the introductory APR, you must set up automatic payments from a Bank of Hawaii personal checking or savings account for the home equity line. 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 lien on a fee simple property. For introductory APRs provided above, the current non-introductory fully indexed variable APR, as of 3/23/2026, is 7.25%, for lines with a 0.50% margin. Other fully indexed APRs are available for qualifying applications ranging from 7.00% - 7.75%, for margins ranging from 0.25% to 1.00%, determined by lien position, 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 $100 annual fee. Payments to third parties of certain fees, which generally total between $0 and $5,500 for Hawaii ($1,600 - $5,400 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 at loan closing (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 APR, unless (1) your account has been paid off and closed at least 6 months prior to submitting a new application, (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 or (3) your existing Bank of Hawaii home equity line account is in first lien position and you are applying for a new Bank of Hawaii home equity line account in second lien position. 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.

³ Applicable for HELOC applications received 4/1/2026-4/30/2026, HST. 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.

⁴ The monthly payment for a 15-year Fixed Rate Loan Option ("FRLO") is approximately $83.85 per $10,000 borrowed (180 monthly payments of principal and interest). If the 15-year Fixed Rate Loan Option is not established at loan closing, the Special APR will not apply, and the rate will be the APR for the 15-year Fixed Rate Loan Option at the time it is opened.

⁵ The monthly payment for a 30-year Fixed Rate Loan Option ("FRLO") is approximately $62.55 per $10,000 borrowed (360 monthly payments of principal and interest). A FRLO with a term of 30 years may only be obtained at loan closing.

¹ The Bankoh Home EquityLine (also referred to as HELOC) introductory Annual Percentage Rate ("APR") will be effective for the first 24, 36, 48 or 60 months (as applicable based on your selection) from the date your new Bankoh Home EquityLine account is opened (the "Introductory Period"). The introductory APR is effective 4/1/2026-4/30/2026, HST, for qualifying applications received 4/1/2026-4/30/2026, HST. In order to qualify for the introductory APR, you must set up automatic payments from a Bank of Hawaii personal checking or savings account for the home equity line. 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 lien on a fee simple property. For introductory APRs provided above, the current non-introductory fully indexed variable APR, as of 3/23/2026, is 7.25%, for lines with a 0.50% margin. Other fully indexed APRs are available for qualifying applications ranging from 7.00% - 7.75%, for margins ranging from 0.25% to 1.00%, determined by lien position, 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 $100 annual fee. Payments to third parties of certain fees, which generally total between $0 and $5,500 for Hawaii ($1,600 - $5,400 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 at loan closing (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 APR, unless (1) your account has been paid off and closed at least 6 months prior to submitting a new application, (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, or (3) your existing Bank of Hawaii home equity line account is in first lien position and you are applying for a new Bank of Hawaii home equity line account in second lien position. 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.

³ Applicable for HELOC applications received 4/1/2026-4/30/2026, HST. 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.

⁴ The monthly payment for a 15-year Fixed Rate Loan Option ("FRLO") is approximately $83.85 per $10,000 borrowed (180 monthly payments of principal and interest). If the 15-year Fixed Rate Loan Option is not established at loan closing, the Special APR will not apply, and the rate will be the APR for the 15-year Fixed Rate Loan Option at the time it is opened.

⁵ The monthly payment for a 30-year Fixed Rate Loan Option ("FRLO") is approximately $62.55 per $10,000 borrowed (360 monthly payments of principal and interest). A FRLO with a term of 30 years may only be obtained at loan closing.