Current Rates

Effective Date: March 09, 2010

Fixed Rate Mortgage	Term	Rate	APR*
Primary Residence	30 Year 15 Year	4.750% 4.250%	4.920% 4.541%

Adjustable Rate Mortgage	Term	Rate	APR*
Primary Residence (fixed for 1 year, adjusts annually) (fixed for 3 years, adjusts annually) (fixed for 5 years, adjusts annually)	30 Year 30 Year 30 Year	4.500% 4.750% 5.000%	3.184% 3.482% 3.829%

* A.P.R. is based on a sales price of 250,000 with a down payment
of 50,000 and a loan amount of 200,000.

Subject to change without notice. Certain conditions and restrictions apply.

Effective Date: March 01, 2010

Home Equity Line of Credit	Rate	APR
Owner-Occupant - Margin 2.00% (10-year term) Adjustable - Rate Changes Quarterly One-Year Fixed Rate Two-Year Fixed Rate Three-Year Fixed Rate	3.500% 4.500% 5.000% 5.500%	3.500% 4.500% 5.000% 5.500%
Investor - Margin 2.50% (10-year term) Adjustable - Rate Changes Quarterly One-Year Fixed Rate Two-Year Fixed Rate Three-Year Fixed Rate	4.000% 5.000% 5.500% 6.000%	4.000% 5.000% 5.500% 6.000%

Consumer Loans	Term	Rate	APR
Installment	1 Year 2 Year 3 Year 4 Year 5 Year	7.750% 8.000% 8.250% 8.500% 9.000%	7.750% 8.000% 8.250% 8.500% 9.000%
Overdraft Protection	N/A	18.000%	18.000%
Personal Line of Credit	N/A	Variable*	Variable*

*Wall Street Journal Prime Interest Rate plus 4.00% margin.
Subject to change without notice. Certain conditions and restrictions apply.

Effective Date: February 20, 2010

Variable Interest Account Type	Minimum Balance	Interest Rate	Annual Percentage Yield
Passbook Savings	$100	1.00%	1.00%
Statement Savings	$100	1.00%	1.00%

Certificate of Deposit Rates (Specials)	Minimum Balance	Interest Rate	Annual Percentage Yield
3-Month Certificate of Deposit	$1000	0.55%	0.55%
6-Month Certificate of Deposit	$1000	0.60%	0.60%
12-Month Certificate of Deposit	$1000	0.75%	0.75%
24-Month Certificate of Deposit	$1000	1.40%	1.41%

A penalty will be imposed for early withdrawal. Fees could reduce earnings on the account.

Certificate of Deposit Rates (Standard)	Minimum Balance	Interest Rate	Annual Percentage Yield
3-5 Month Certificate of Deposit	$1000	0.30%	0.30%
6-8 Month Certificate of Deposit	$1000	0.40%	0.40%
9-11 Month Certificate of Deposit	$1000	0.50%	0.50%
12-Month Certificate of Deposit	$1000	0.60%	0.60%
24-Month Certificate of Deposit	$1000	1.15%	1.15%
36-Month Certificate of Deposit	$1000	1.74%	1.75%
48-Month Certificate of Deposit	$1000	1.99%	2.00%
60-Month Certificate of Deposit	$1000	2.72%	2.75%

A penalty will be imposed for early withdrawal. Fees could reduce earnings on the account.

Effective Date: February 20, 2010

Variable Interest Account Type	Minimum Balance	Interest Rate	Annual Percentage Yield
Hawaii's Best Checking	$100	.05%	.05%
Money Market Checking	$0 to $999.99 $1000 or more	.10% .20%	.10% .20%
Money Market Deposit Account	$0 to $999.99 $1000 or more	.20% .40%	.20% .40%

Refer to applicable account rules and Schedule of Fees for additional disclosures
or contact a branch for more information.