Finance Factors Limited Savings & Safety Finance Factors also offers some of the best rates Branch Locations Statement of on certificates of deposit and savings accounts ISLAND OF with deposits insured by the FDIC. What’s more, Downtown Pearl City Financial Condition Finance Factors Center Pearl City Shopping Center As of December 31, 2020 our Liliha and branches on the island of 1164 Bishop St., Ste 100 850 Kamehameha Hwy., Ste 161 Oahu offer safe deposit boxes to safely store , HI 96813 Pearl City, HI 96782 Phone: (808) 548-4940 Phone: (808) 453-2100 your valuables. Kahala Kahala Mall ISLAND OF 4211 Waialae Ave., Ste 9070 Community Support Honolulu, HI 96816 Hilo Phone: (808) 733-7399 Finance Factors Hilo Center At Finance Factors, our local roots are very 605 Laukapu St. Ste 101 Kailua Hilo, HI 96720 important to us. We support our community in Malama Building Phone: (808) 935-6811 602 Kailua Rd., Ste 103 a number of different ways; through charitable Kailua, HI 96734 Kailua-Kona Phone: (808) 266-2900 Henry Street Shops giving programs, through the time and efforts 75-1022 Henry St., Unit 6 Kaimuki Kailua-Kona, HI 96740 of our employees, who serve on numerous Finance Factors Kaimuki Center Phone: (808) 322-2747 3408 Waialae Ave., Ste 101 non-profit boards, through annual events such Honolulu, HI 96816 as our Charity Breakfast and our Charity Golf Phone: (808) 733-2425 ISLAND OF MAUI Kahului Tournament, as well as through food drives as a Kamehameha Shopping Center Finance Factors Kahului Center member of the Hawaii Bankers Association. 1620 N. School St., Ste 142 27 S. Puunene Avenue Honolulu, HI 96817 Kahului, HI 96732 Phone: (808) 832-6500 Phone: (808) 877-7663 We are proud to be of service to you, and thank Kapiolani Pan Am Building ISLAND OF KAUAI you for this opportunity. We are committed to 1600 Kapiolani Blvd., Ste 109 Honolulu, HI 96814 Lihue anticipating each and every one of our customer’s Phone: (808) 973-3535 4393 Kukui Grove St., Ste 101 Lihue, HI 96766 needs and exceeding their expectations. We Liliha Phone: (808) 245-3305 Finance Factors Liliha Center invite you to contact Finance Factors whenever 1808 Liliha St. you need additional help. Honolulu, HI 96817 GUAM Phone: (808) 532-7190 Tamuning The new Finance Factors Kahului Center on Maui Manoa Finance Factors Guam Visit any one of our 13 statewide branches, Finance Factors Manoa Center Mortgage Center 2955 East Manoa Rd., Suite A 339 Chalan San Antonio, Ste 100 including our branches on the Big Island, Kauai, Honolulu, HI 96822 Tamuning, Guam 96913 and Maui, or call us. Phone: (808) 988-0240 Phone: (671) 649-5751

On Oahu: 522-2000 Toll-free: 1-800-648-7136 www.financefactors.com

(Rev 04/21) Statement of Financial Condition located at 1164 Bishop Street, Honolulu, HI 96813 Finance Factors Limited At the close of business the 31st day of December 2020

Welcome to ASSETS Finance Factors! Cash and Balances Due From Banks ...... $ 47,535,000 We appreciate your decision to select us to Investment Securities ...... 89,036,000 handle your financial matters and we thank Loans you for your confidence. As one of the Top a. Loans, Held For Sale...... 5,216,000 250 companies in Hawaii, and Hawaii’s largest b. Loans, Net of Unearned Income ...... 388,520,000 depository financial services loan company, we c. LESS: Allowance for Loans Losses ...... 11,944,000 take pride in our people, products and services, d. Loans, Net of Unearned Income and Allowance (item b minus c)...... 376,576,000 and in our commitment to serving your financial Premises and Equipment, Net ...... 42,500,000 needs and the needs of our community. As a Other Real Estate Owned ...... - Finance Factors customer, we’d like to share with Mortgage Servicing Rights...... 371,000 you some information about our company. Other Assets ...... 27,767,000 Total Assets ...... $ 589,001,000 Local Roots Finance Factors has been providing financial services in Hawaii since 1952. Started by several LIABILITIES island families, the company has grown from Deposits ...... $ 446,446,000 a small local enterprise into Hawaii’s largest Other Borrowings ...... 63,800,000 locally-owned depository financial services loan Other Liabilities ...... 6,631,000 company. Total Liabilities ...... $ 516,877,000 Loan Experts Today, Finance Factors specializes in residential EQUITY CAPITAL loans for purchase, refinance, land, construction, Common Stock ...... $ 840,000 investment, cash-out and home equity, as well as Surplus ...... 10,803,000 commercial real estate loans. Our loan officers Retained Earnings ...... 58,992,000 have years of experience to walk you through the Accumulated Other Comprehensive Income (loss) ...... 1,489,000 loan process every step of the way. Total Equity Capital...... $ 72,124,000

TOTAL LIABILITIES & EQUITY CAPITAL $ 589,001,000