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CONSUMER CHECKING AND SAVINGS ACCOUNT FEE SCHEDULE

This Fee Schedule is part of your of Hawaii Consumer Account Agreement and your Bank of Hawaii Consumer Electronic Banking Services Agreement.

Please review and keep for future reference.

CHECKING ACCOUNTS SAVINGS ACCOUNTS

EASE BY BANK OF HAWAII®1 REGULAR SAVINGS Minimum opening deposit: $25 Minimum opening deposit: $100 Minimum balance requirement: None Monthly service fee: $5.00 Monthly service fee: $2.50 Minimum balance requirement to avoid Fee waived with online statements. monthly service fee: Daily Ledger Balance of $300. CONVENIENCE CHECKING Minimum opening deposit: $25 PERSONAL MARKET SAVINGS Minimum balance requirement: None Minimum opening deposit: $100 Monthly service fee: $2.50 Monthly service fee: $8.00 Fee waived with online statements. Minimum balance requirement to avoid monthly service fee: PERSONAL MONEY MANAGEMENT CHECKING Minimum daily Ledger Balance of $1,000 or Minimum opening deposit: $100 Average daily Ledger Balance of $2,500. Monthly service fee: $8.00 Discount of $1 for Accounts with Direct KIDS ONLY SAVINGS Deposit. Direct Deposit includes payroll, The Kids Only Savings Account will automatically pension, social security or similar deposits convert to a Regular Savings Account in the month following the Account owner’s 17th birthday and will made during monthly cycle. then be subject to all balance requirements and fees Minimum balance requirement to avoid of Regular Savings. monthly service fee: Minimum opening deposit: $25 Daily Ledger Balance of $500 or Minimum balance requirement: None Average daily Ledger Balance of $1,000. BONUS RATE SAVINGS 55+ CHECKING (No new Accounts offered) Minimum opening deposit: $100 Minimum balance requirement: None Monthly service fee: $5.00 Monthly service fee: $4.00 Requirements to avoid monthly service fee: Fee waived for Accounts with Direct Deposit. Minimum daily Ledger Balance of $500 Direct Deposit includes payroll, pension, or social security or similar deposits made during Minimum monthly deposit of $25 and monthly cycle. no withdrawals during monthly cycle.

Requirements to Qualify for Bonus Interest: Minimum monthly deposit of $25 and no withdrawals during monthly cycle.

1 SAVINGS ACCOUNTS BANKOHANA ACCOUNTS

BANKOHANA SAVINGS Please see the Bankohana Addendum for a list of (Must be linked to a Bankohana Checking or Cash qualified Related Accounts that can be counted Advantage Checking Account) towards your Combined Balance Requirement. Minimum opening deposit: $100 Minimum balance requirement: None BANKOHANA - LEVEL I CHECKING Minimum opening deposit: $500 BANKOHANA BONUS RATE SAVINGS Monthly service fee: $15.00 (Must be linked to a Bankohana Checking or Cash Combined Balance Requirement to avoid Advantage Checking Account) monthly service fee: $6,000 Minimum opening deposit: $100 Minimum balance requirement: None BANKOHANA - LEVEL II CHECKING Requirements to Qualify for Bonus Interest: Minimum opening deposit: $500 Minimum monthly deposit of $25 and Monthly service fee: $20.00 no withdrawals during monthly cycle. Combined Balance Requirement to avoid monthly service fee: $20,000 BANKOHANA BONUS RATE SAVINGS PLUS (Must be linked to a Bankohana Checking or Cash BANKOHANA - LEVEL III CHECKING Advantage Checking Account) Minimum opening deposit: $500 Minimum opening deposit: $100 Monthly service fee: $30.00 Minimum balance requirement: None Combined Balance Requirement to avoid Requirements to Qualify for Bonus Interest: monthly service fee: $50,000 Balance Tiers under $250,000 Minimum monthly deposit of $100 and BANKOHANA CASH ADVANTAGE CHECKING2 no withdrawals during monthly cycle. (Available only to The ) Minimum opening deposit: $500 Balance Tiers $250,000 and Over Monthly service fee: $30.00 Not subject to deposit and withdrawal Combined Balance Requirement to avoid requirements. monthly service fee: $50,000

BANKOHANA MONEY MARKET SAVINGS (Must be linked to a Bankohana Checking or Cash OTHER FEES Advantage Checking Account) Minimum opening deposit: $100 Non-Sufficient Funds Item Returned/ $30.00 each Minimum balance requirement: None Returned Item Fee Note: Through and before October 31, 2019 the Returned Item Fee is $28.00 OTHER FEES FOR SAVINGS ACCOUNTS

Excessive Savings Transactions Fee $10.00 Non-Sufficient Funds Item Paid/ $30.00 each per transfer Fee charged for every transfer or withdrawal Overdraft Item Fee3 exceeding the monthly cycle limit of six (6) Note: Through and before October 31, 2019 Savings Account withdrawals or transfers the Returned Item Fee is $28.00 by online and , automatic bill

payments, pre-authorized transfers, overdraft For more information on Overdrafts, see the protection programs or similar orders made by Bank of Hawaii Consumer Agreement. you remotely and payable to third parties. Kids Only Savings accounts are not charged this fee. Deposited Item Returned Fee $7.00 each

Overdraft Protection from Savings $10.00 Transfer Fee per transfer

Inactive Fee $5.00 Fee waived for Kids Only Savings, per month and all Bankohana Checking and Savings Accounts.

2 OTHER FEES Bank of Hawaii Visa® or No Charge EASE by Bank of Hawaii Card Cashier’s Check $12.00 each Fee waived for Bankohana Cash Advantage Bankoh Hawaiian Airlines® Visa® $3.00 per and Bankohana - Level II, III Checking Debit Card/Bank of Hawaii Black Visa® month/card Accounts. Debit Card4 Discount of $2 for Bankohana - Level II Temporary Checks $3.00 Accounts. Fee waived for Bankohana Cash Three (3) checks per page per page Advantage and Bankohana - Level III Checking Accounts. Unavailable for EASE Stop Payment Order or Post-Dated $30.00 Accounts. Check Notification Fee per item Fee waived for all Bankohana Accounts. (ATM) Transactions a. Bank of Hawaii ATM Note: Through and before October 31, 2019 there is no Post-Dated Check Notification Fee i. Deposits, withdrawals, transfers and balance inquiries: No Charge Copy of Cleared Check or Deposit Slip $2.50 ii. Mini-Statements $1.50 each Fee waived for first five (5) Items in a per item Fee waived for Bankohana Cash statement period. Additional copies will be Advantage and Bankohana - Level III charged $2.50 per Item or Research Fee, Checking Accounts. whichever is less. b. Bank of Hawaii Fees for Qualified ATMs5 Research Fee $17.50 per  Please Note: When you use a Qualified (i.e. reconciling monthly statements) half hour or ATM, you may be charged transaction any fraction thereof and/or inquiry fees by the ATM operator and/or the network used. These fees are in addition to any fees charged by Options of Hawaii. a. Check SafeKeeping: No Charge b. Image Enclosures for i. Cash withdrawals $3.00 each (U.S. and Territories) Convenience Checking $2.50 per Fee waived for Bankohana Cash Fee waived for all other Accounts. statement Advantage and Bankohana - Level III Checking Accounts. Returned Statement Fee $5.00 each For the return of paper statements by United ii. Cash withdrawals $5.00 each States Postal Service. The fee is assessed (International) plus 3% of the on each first occurrence only per account. International is considered to be transaction outside the U.S., American Samoa, amount in Guam, Saipan, Palau, the U.S. International Statement Mailing Fee $1.00 per U.S. dollars International is considered to be paper Virgin Islands or Puerto Rico.  outside the U.S., American Samoa, statement Guam, Saipan, Palau, the U.S. Fee waived for Bankohana Cash Virgin Islands or Puerto Rico. Advantage and Bankohana - Level III Checking Accounts. Copy of Statement(s) $5.00 per iii. Transfers and balance inquiries $1.00 each statement Fee waived for Bankohana Cash Advantage and Bankohana - Transaction History Print Out $8.00 each Level III Checking Accounts.

Early Closing Fee International POS Transactions 3% of the (If closed within 180 days of Account opening) using a Debit Card transaction International is considered to be a. All Bankohana Checking Accounts $70.00 amount in outside the U.S., American Samoa, U.S. dollars b. All other checking and savings Accounts $40.00 Guam, Saipan, Palau, the U.S. Virgin Islands or Puerto Rico. Abandoned Account Fee $45.00 each

3 OTHER FEES c. Notifications of Outgoing/Incoming Wires i. Fax or Email Set $25.00 Debit Card POS Cash Withdrawal Fee $5.00 each (One-Time Fee) (at another financial institutions) ii. Fax Notice $3.00 each occurrence6 Card Replacement Fee $20.00 each iii. Email Notice $2.00 each Fee applies to all customer-requested occurrence6 replacements of Debit Cards and Bankoh BankCards. d. Special Handling $25.00 Such as tracer, amendment, each cancellation/recall plus additional Rush Delivery of a Card Replacement $40.00 each charges, taxes, duties, or fees Additional fee to the Card assessed by governments, intermediary, Replacement Fee. correspondence, beneficiary, and/or paying . Legal Process Fees a. Garnishment $95.00 each Bankoh by Phone b. Tax Levy $50.00 each a. Account inquiries, information c. Other legal process $50.00 each and transfers: No Charge b. Transaction history by fax $8.00 each Medallion Signature Guarantee $5.00 each Per Signature Clean Check Collections Verification of Deposit/Confirmation/ $10.00 each a. For checking and savings 0.25% of collection Immigration Letter withdrawals, checks, clean amount; minimum collection of drafts and $30.00 to maximum Service Fees promissory notes $150.00 per item a. Outgoing Wires i. Domestic $5,000 or less $40.00 each b. Clean Check Collections $25.00 plus postage ii. Domestic over $5,000 $75.00 each Unpaid Items returned iii. International Ask us (U.S. dollars and foreign ) for details

b. Incoming Wires $13.00 each Fee waived for Bankohana Cash Advantage Checking and Bankohana - Level II, III Accounts.

Explanation of footnotes: 1 Accounts opened online are only available to applicants with a physical address in Hawaii. 2 Although your checking Account is a Bank deposit protected by FDIC , remember that the money market mutual funds used in connection with the Bankohana Cash Advantage Account are not insured or guaranteed by the FDIC or any other government agency, are not deposits or obligations of the Bank of Hawaii, and are not backed, endorsed or guaranteed in any way by the Bank of Hawaii, involve investment risk, including possible loss of the principal amounts invested. 3 Overdraft fees will not apply to ATM or everyday Debit Card Transactions by consumers who have not authorized such fees. 4 The Bank of Hawaii Black Visa® Debit Card is only available for Bankohana Cash Advantage and Bankohana - Level III Checking Accounts. If you choose to change your Account type from Bankohana Cash Advantage or Bankohana - Level III Checking Account and keep the Black Visa® Debit Card, the applicable monthly fee for the Bankoh Hawaiian Airlines® Visa® Debit Card will be assessed. 5 “Qualified ATMs” are non-Bank of Hawaii ATMs that have Bank of Hawaii network relationships and may be used with Bankoh BankCards and all Bank of Hawaii Debit Cards. 6 Does not apply to Outgoing International wires. Fee will be added to and assessed with the Domestic Outgoing and/or Incoming Wire fee.

Please note: The products and services listed in this Fee Schedule may not be available to all customers or applicable in all areas that Bank of Hawaii serves. Please consult your branch about availability of products and services. All capitalized terms not defined herein have the same meaning as defined in your Bank of Hawaii Consumer Deposit Account Agreement and the Bank of Hawaii Consumer Electronic Banking Services Agreement.

DDA-161 (Rev. 12/2019) Member FDIC 4