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*Rates range from 7.99% to 14.99% Annual Percentage Rate (APR) based on the specific characteristics of your credit application, including but not limited to evaluation of credit history and income verification for amounts over $5,000, for approved personal loan applications received 11/01/2019 to 12/31/2019 ($2,500 minimum loan amount). The APR shown is for a $10,050.00 personal loan of 48 months with a monthly payment of $245.59, and is based on best APR currently offered. Your actual APR may be higher than the rate shown. This example is solely for illustrative purposes only, and is not necessarily the APR or term that a qualified borrower will be offered. The interest rate will be 0.25 percentage points lower if you have a personal Priority Banking Checking Account Level 1 or 2 and 0.35 percentage points lower if you have personal Priority Banking Checking Account Level 3. A one-time documentation preparation fee of $50.00 applies to all loans under this promotion and will be added to the principal balance. Offer subject to credit approval. This offer does not apply to business or real estate loans. Also, the proceeds of the loan cannot be used to pay off any existing First Hawaiian Bank credit cards, personal loans or lines-of-credit.

1. Payroll services are provided by bank processing partner.

2. Offer available to new payroll customers to the payroll processor and excludes those with existing payroll services. Must have or sign up for a First Hawaiian Bank business checking account and sign up for payroll services by 12/31/19. Payroll services must start processing by 1/15/20. Promotion period is 11/1/19 to 12/31/19. The offer consists of a one-time 50% discount of the payroll processor setup fee and a monthly 15% discount on payroll partner processing fees. Other fees may apply including but not limited to, any additional services or fees charged by the payroll processor. FHB reserves the right to change this program without notice. Cannot be combined with any other offers.

1. If you choose to enroll in automatic payments from a First Hawaiian Bank checking or savings account to pay your monthly payments (“Auto-Pay”) before final credit approval, the promotional 1.95%, 2.20%, and 3.25% Annual Percentage Rates (APR) for the variable rate portion of your credit line will be fixed for 24, 36 and 48 months, respectively, from account opening (the “Auto-Pay Promo”). If you choose not to enroll in Auto-Pay before final credit approval, the promotional 2.75%, 3.00%, and 3.50% APR for the variable rate portion of your credit line are fixed for 24, 36 and 48 months, respectively, from account opening. You are not required to enroll in Auto-Pay to open or maintain your Credit Line. Participating in Auto-Pay merely makes the Auto-Pay Promo available to your Credit Line. After the applicable promotional rate period ends, the APR for the variable rate portion of credit line may vary and will be adjusted monthly to 1.50 percentage points over an index, which is The Wall Street Journal Prime Rate, except that the APR will never be lower than 4.50% and will never be higher than 19.00% for Hawaii (18.00% for Guam). The current fully indexed variable APR is 6.34% as of 12/1/19. Except for any Auto-Pay promotional rate, no other discounts apply to the promotional fixed rates. The APR after the promotional period will be 0.25 or 0.35 percentage point lower if you have a personal Priority Banking Checking Account Level 2 or Level 3, respectively. Both the promotional APR and the APR after the promotional rate period will be 0.50 percentage point higher for investors and for lines secured by a second home, and 1.00 percentage point higher for leasehold (owner occupant only) properties. Other adders may apply. You must carry insurance on the property that secures the credit line; flood insurance is required if the property is located in a special flood hazard area. For Hawaii, most closing costs waived for owner-occupants, investors, and lines secured by a second home, unless an ALTA policy, appraisal, trust review, or preparation of other legal documents is required. These closing costs are estimated at $750 – $3,557 (ALTA policy), $715 – $2,285 (appraisal fee), $260 (trust review fee), $150 (private flood insurance policy review fee), and $225 – $475 (legal documentation). For Guam, receive $100 off closing costs, which are estimated at $665 – $2,871 (appraisal fee), $12 (flood determination fee), $840 – $2,212 (title report), $150 – $1,145 (recording fee), $416 (trust review fee), $150 (private flood insurance policy review fee), and $400 – $725 (legal documentation). Other closing costs may apply and the fees quoted could be higher, depending on your specific credit line. There is an annual fee of $100, which is non-refundable and will be charged to your credit line on each anniversary date of your credit line account during the ten (10) year Draw Period. The annual fee is waived if you have a personal Priority Banking Checking Account Level 3 at the time the fee is assessed. An annual fee is not assessed during the twenty (20) year Repayment Period after the Draw Period. Offer subject to credit approval and good for new approved Home Equity FirstLine applications received from 12/1/19 to 12/31/19. Credit line account must be opened within 60 days of application date. Refinancing of existing First Hawaiian Bank loans, lines of credit or credit cards, and Home Equity FirstLine locks, personal lines of credit, and lines to purchase and install a new photovoltaic system, do not qualify for the rate offer. Only credit lines secured by Hawaii and Guam properties are eligible. Cannot be combined with other special rates or promotions.

2. Up to $500 Credit: If refinancing a non-First Hawaiian Bank loan or credit line, you may receive a credit at account opening of up to $500 to reimburse you for any early closing or termination fees assessed by your current lender upon verification that a fee has been assessed.

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