American Savings Bank Consumer Loan Interest Rates

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1 Equity Express sm Home Equity Line of Credit Interest During the Draw Period 1 Owner-Occupant (10-Year Interest During the Draw Period/20-Year Repayment Period) 4 Monthly Example based on Index 2 Margin 3 (subject 4.50% Draw Period 5 Repayment Period 6 flo rate) 3.50% 4.50% $10,000 $1,000,000 $37.50 $ $ % 0.50% 4.50% $10,000 $1,000,000 $37.50 $ $ % 1.00% 4.50% $10,000 $500,000 $37.50 $ $41.82 Invesr (10-Year Interest Dueing the Draw Period/20-Year Repayment Period) Index 2 Margin 3 4 (subject 4.50% flo rate) 3.50% 0.50% 4.50% $10,000 $500, % 1.00% 4.50% $10,000 $500, % 1.50% 5.00% $10,000 $500,000 Promo Rates: Owner-Occupant and Invesr Promo Availability: March 1, July 31, 2016 Range 7 1 Rate and product type is based on individual s credit wthiness. 2 Prime Rate published in the Wall Street Journal effective on the last day of the month pri the effective date above. 3 The margin is based on creditwthiness and occupancy. Minimum Line Line 8 4 Annual Percentage Rate () are variable and subject change monthly based on changes in the index. is 18.00% 5 During the 10-year Draw Period, monthly payments will be interest only; payment amounts shown are based on a $10,000 balance f 30 days. 6 During the 20-year Repayment Period, monthly payments will be fixed principal (equal 1/0th of the principal balance on the first day of the Repayment Period) plus interest; payment amounts shown are based on a $10,000 balance f 30 days. Monthly Example based on Draw Period 5 $37.50 $37.50 $41.67 Repayment Period 6 $ $41.82 $ $41.82 $ $41.84 Principal + Interest During the Draw Period 1 Owner-Occupant (10-Year Principal + Interest Draw Period/20-Year Repayment Period) Index 2 Margin 3 4 Monthly Example based on (subject 4.50% Draw Period 5 Repayment Period 6 flo rate) 3.50% 4.50% $10,000 $1,000,000 $ $62.50 $ $ % 0.50% 4.50% $10,000 $1,000,000 $ $62.50 $ $ % 1.00% 4.50% $10,000 $500,000 $ $62.50 $ $31.05 Invesr (10-Year Principal + Interest Draw Period/20-Year Repayment Period) 4 Monthly Example based on Index 2 Margin 3 (subject 4.50% Draw Period 5 Repayment Period 6 flo rate) 3.50% 0.50% 4.50% $10,000 $500,000 $ $62.50 $ $ % 1.00% 4.50% $10,000 $500,000 $ $62.50 $ $ % 1.50% 5.00% $10,000 $500,000 $ $66.67 $ $31.06 Monthly Example based on Lowest Rate 9 Interest Only Principal + Interest Draw Period % $10,000 $1,000,000 $8.33 $ % 4.00% $10,000 $1,000,000 $16.67 $ % 18.00% $10,000 $1,000,000 $37.50 $62.50 Repayment Period % 18.00% $10,000 $1,000,000 $79.17 $ Offer is a two-year promotion (Promotion Period): annual percentage rate () is 1.00% fixed f year one (months 1 through ), from the date your new Equity ExpressSM (EEX) Home Equity Line of Credit (HELOC) account is opened followed by of 2.00% fixed f year two (months 13 through ). Offer is based on brower s credit sce and is f a qualifying first second lien request on an owner-occupant first lien request f invesr lines up $250,000 on applications received 3/1/16 through 7/31/16 that fund by 8/31/16. Promotional rates require aumatic payment from an (ASB) checking account and are subject change discontinuance without notice. Depending on brower s credit sce the promotional rate may be one of the following: (a) 1.00% in months 1 through, followed by 2.00% in months 13 through ; (b) 2.00% in months 1 through, followed by in months 13 through ;, (c) in months 1 through, followed by 4.00% in months 13 through.

2 Offer is not available f a second lien request on an invesr line, on properties listed f sale within the pri six months, any existing ASB HELOC account opened pri 3/1/16 and secured by the subject property, when paying down/off any existing ASB residential mtgage loan balance. If you have not closed your loan and a new promotion begins with a different rate, you may opt f the new promotion. After the Promotion Period ends, the interest rate is variable. Current variable rate is 4.50%, and is subject change monthly based on the highest Prime Rate published in the Wall Street Journal, plus a margin (subject the flo rate of 4.50%; maximum is 18.00%). 8 line amount is based on Owner-Occupant with a margin of 0% 0.50% 9 Monthly Example is based on the lowest f that period and the Minimum Line 10 during these months is variable and subject the flo rate of 4.50% and a maximum of 18% Bank will cover the following closing costs (fees) f owner-occupied property: flood certfication fee, title insurance, escrow fee, credit rept, condo processing fee, mtgage recdation fee, notary, release of third-party mtgage and a property valuation fee. If a valuation of the property is not available, the current tax assessed value will be used; however, cusmer may request an appraisal at their own expense (estimated between $ $1,200.00). Properties held in trust will be charged a trust review cost and trust documentation preparation fee (estimated between $ $260.00). Line requests over $250,000 require an appraisal rept (estimated between $ $1,200.00). All Invesr line requests and all owner occupant line requests over $250,000 are subject all fees (estimated between $ and $1,800.00). All costs are approximations; contact us regarding your specific situation. Account has a 10-year draw period (with interest only payments) followed by a 20-year repayment period (with principal and interest payments). A $ fee will be assessed if account is closed within the first three (3) years. This fee will not be charged if: [i] your line is $25,000 less, [ii] you sell your home, [iii] in the event of an refinance. Must be secured by fee simple property located in the State of Hawaii only. Homeowner's and hurricane insurance required; flood insurance required if property is located in a special flood hazard area. No grace period f credit card transactions; finance charge accrue from the date of transaction. Other terms, conditions and certain restrictions may apply. Fixed Rate Equity Options Owner-Occupant 1 Monthly Minimum Example based on A.P.R. Minimum % $3,000 $10,000 $89.58 $ % $10,000 $ $ % $10,000 $75,000 $ $1, % $10,000 $100,000 $ $1, % $10,000 $250,000 $88.49 $2,2.27 Invesr 1 Monthly Minimum Example based on A.P.R. Minimum Promo Period Promo Period % $3,000 $10,000 $90.25 $ % $10,000 $ $ % $10,000 $75,000 $ $1, % $10,000 $100,000 $87.11 $ Promo Availability: March 1, July 31, 2016 Promo Rates: Owner-Occupant Monthly Minimum Example based on Promo A.P.R. Range 2 Minimum % $15,000 $250,000 $ $4, % $250,000 $ $3, % $20,000 $250,000 $200. $2, Promo Rates: Invesr Monthly Minimum Example based on Promo A.P.R. Range 2 Minimum % $15,000 $250,000 $ $4, % $250,000 $ $3, % $20,000 $250,000 $ $2, Rates are based on the term being requested. You may contact any of our branches f prevailing rates. Option is a feature of Equity Express Home Equity Line of Credit. Subject 1) No default exists on credit line, 2) No me than five fixed rate equity loans in effect after establishing current fixed rate equity loan, and 3) Minimum balance required lock based on loan term selected. Option must be exercised during the draw period only. 2 The promotional rates apply up five Fixed Rate Equity Options (FRELO) from the variable rate ption of the HELOC, and are available existing and new owner-occupant EEX accounts with an advance on the line of at least the minimum loan amount; and aumatic payment from an checking account. Invesr rates are available.

3 Personal Unsecured Term Monthly Example 3 1 Best Minimum based on Best Range 2 Minimum $3,000 $2,500 $2,000 $1,500 $69.07 $74.92 $87.73 $8.40 $1,151. $1, $2, $4, Annual Percentage Rate () effective as of date above. f qualified brower(s) will be based on their creditwthiness. 2 There is a 0.25% discount the f an Personal Unsecured with aumatic payment from an active checking account. 3 example is monthly principal and interest payments. Personal Line of Credit Unsecured Line, 3-Year Draw Period/4-Year Repayment Period Index 1 Margin 2 3 Monthly Minimum Example based on lowest Minimum Line Line (subject flo Repayment rate at 8.5%) Draw Period 4 Draw Period 6 Repayment Period 7 Period % 8.75% 3.50% $3,000 $81.58 $84.08 $1, $1, % 18.00% 1 Prime Rate published in the Wall Street Journal effective on the last day of the month pri the effective date above. 2 The margin is based on creditwthiness. 3 Annual Percentage Rate () are variable and subject change monthly based on changes in the index. is 18.00% 4 During the 3-year Draw Period, monthly payments will be 2% of the outstanding balance plus interest; payment amounts shown are based on a $3,000 balance f 30 days. 5 During the 4-year Repayment Period, monthly payments will be fixed principal (equal 1/48th of the principal balance on the first day of the Repayment Period) plus interest; payment amounts shown are based on a $3,000 balance f 30 days. 6 During the 3-year Draw Period, monthly payments will be 2% of the oustanding balance plus interest; payment amounts shown are based on a balance f 30 days. 7 During the 4-year Repayment Period, monthly payments will be fixed principal (equal 1/48th of the principal balance on the first day of the Repayment Period) plus interest; payment amounts shown are based on a balance f 30 days. Preferred CreditLine sm Overdraft Protection Line of Credit Revolving Line Monthly Example 2 1 Line based on 18.00% $500 $32.40 $3, Current Annual Percentage Rate () effective as of date above. 2 example is principal plus interest based on average daily balance f a 30-day period (5% of principal balance plus finance charge).

4 Clean Energy (participating contracrs only) Unsecured, 18-Mo -Mo Initial Period followed by a 84-Mo, 96-Mo 102-Mo Term Initial Period Term Period Rate Mos Rate Mos 7.99% % % % % 3.223% 2.519% 3.223% Total Term Minimum $1,500 $50,001 $70,000 Example (based on a loan amount of $25,000 f 102 and 108 month terms; based on a loan amount of $55,000 f 0 month term) Amt Pmt Pmt Amt Period Period Amt Pmt Period $ $ $ $ $ $ $ $ $ $ $ $ Initial term feature a promotional interest rate of with no accrued interest during the initial term and no monthly payments f the first six months followed by principal-only monthly payments equal one-half percent (0.50%) of the iginal loan amount f the remainder of the initial period beginning in month 7 through 18 (depending on brower's creditwthiness). After the initial period ends, the balance will aumatically convert a fully amtized 84-month, 96-month 102- month term (depnding on brower's creditwthiness) with principal and interest payments due monthly based on the interest rate set at loan closing. Interest rate f qualified brower(s) will be based on their creditwthiness. amounts from $1,500 $70,000. proceeds are disbursed the participating PV contracr. This loan program is subject change cancellation without notice. purpose is purchase and install solar water heater phovoltaic (PV) system on a residential unit (the "system"). Purchase contract must be from an ASB participating contracr only. ASB does not perfm due diligence make representations warranties on third parties the system. Browers should take reasonable steps review third party and the system. 6-Month Clean Energy Unsecured, 6-Month Initial Period followed by a 72-Month Term Initial 6-Month Interest Rate Initial term feature a promotional interest rate of with no accrued interest during the initial term and no monthly payments f the first six months. After the initial term ends, if the outstanding principal balance is not paid off, the balance will aumatically convert a fully amtized 72-month term with principal and interest payments due monthly based on the interest rate set at loan closing. Interest rate f qualified brower(s) will be based on their creditwthiness. amounts from $1,500. Early payoff fee of $500 if loan is paid off in the first months. proceeds are disbursed the brower who is responsible f paying the PV contracr. This loan program is subject change cancellation without notice. purpose is purchase and install solar water heater phovoltaic (PV) system on a residential unit (the "system"). ASB does not perfm due diligence make representations warranties on third parties the system. Browers should take reasonable steps review third party and the system. Power Purchase Unsecured, Finance Power Purchase Agreement only Term 78 Interest Rate during 72-Month Term 8.49% 5.463% 8.99% 5.776% 8.49% 8.99% Minimum Minimum $3,000 $30,000 $1,500 $0.00 Monthly Example based on $10,000 and lowest A.P.R. $ $ Monthly Example based on $10,000 and lowest A.P.R $ $ Interest rate f qualified brower(s) will be based on their creditwthiness. amounts from $1,500. proceeds are disbursed the brower who is responsible f paying the PV contracr. This loan program is subject change cancellation without notice. purpose is finance the Power Purchase Agreement f a phovoltaic (PV) system on a residential unit (the "system"). ASB does not perfm due diligence make representations warranties on third parties the system. Browers should take reasonable steps review third party and the system. Month 1 6 Month

5 Secured Savings Personal secured by Personal Savings Account Certificate of Deposit (CD) Security Term Deposit APY 1 Margin 2 3 Statement Savings Account CD (36-month < 60-month) CD (-month < 36-month) CD (-month < -month) CD (6-month < -month) CD (3-month < 6-month) % 0.200% 0.150% 0.100% 0.050% 0.050% 2.50% 2.520% 3.200% 3.150% 3.100% 3.050% 3.050% Monthly Example based on $5,000 and maximum loan term $88.78 $91.70 $ $2.19 $ $1, Annual Percentage Yield (APY) effective as of date above. 2 Margin is the amount we add the Savings Certificate of Deposit (CD) APY determine your loan. 3 Annual Percentage Rate () effective as of date above. --value ratio may not exceed 90% of available blance. term may not exceed the remaining term of the certificate of deposit.