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    Disclosures

    1. Accounts with a zero balance for 30 consecutive days will be closed automatically.
    2. Your combined balance for your Business Priority Banking Plan is calculated by adding the balance of your Business Priority Banking Account and qualifying balances from all Associated Accounts. Please see Addendum for more details.
    3. An Associated Account is an account that is eligible to be associated with your Business Priority Banking Account.  Eligible types of accounts that you own directly (i.e., not through a subsidiary, affiliate, or other related entity) will be automatically classified as an Associated Account. Please see the Business Priority Banking Plan Addendum (the “Addendum”) for additional details about Associated Accounts.
    4. A per item fee is charged for each check written, deposit ticket submitted, or check deposited.
    5. Enroll in either FHB Online Business Basic or FHB Online Business Banking. FHB Online Business Basic includes basic online banking features, such as eStatements, transfers and mobile check deposit, and is free to business customers. FHB Online Business Banking includes basic features as well as Online Bill Pay, Popmoney and Entitlements. FHB Online Business Banking is free for Business Priority Banking customers and is $5.99 per month for all other business customers. Fee waivers are applied on the first business day of the month. For Priority Banking fee waivers, you must have had an open Priority Banking checking account as of the last business day of the preceding month. Entitlements for FHB Online Business Banking includes 2 sub-users and is an additional $1/month per sub-user after the first two. 
      For businesses using Direct Connect to access online banking through Quicken® or QuickBooks®, it is $14.95/month used (fee is inclusive of the FHB Online Business Banking service fee. Priority Banking waivers not applicable). See FHB Online Terms and Conditions for details.
    6. Check Printing. Alternatively, you may receive a discounted rate for your first order of selected business size check styles. To receive the benefit you must identify yourself as a Business Priority Banking Gold or Platinum Checking Account customer at the time of order. The benefit cannot be combined with another promotional offer, program, or discount unless stated otherwise. 
    7. Subject to credit approval. If you request and qualify for our Business Yes-CheckSM Reserve Line of Credit, you will not be charged the annual fee. 
    8. To receive the preferred rate you must be a Business Priority Banking Platinum Checking Account customer and identify yourself as such at the time of account opening. For existing CD customers, the preferred rate will apply upon the next renewal for any CD that is an Associated Account. The preferred rate cannot be combined with another promotional offer, program, or rate unless stated otherwise. 
    9. The monthly service charge will be automatically waived for one MaxiMizer account that is an Associated Account. 
    10. To receive the discount, you must be a Business Priority Banking Gold or Platinum Checking Account customer and identify yourself as such at the time of opening. Subject to box availability. Limit of one safe deposit box ("SDB") per Business Priority Banking Checking Account. The SDB contents are not insured by First Hawaiian Bank, the FDIC, or any other government agency. For existing SDB customers, the discount will not be prorated and will apply upon the next billing. The discount cannot be combined with another promotional offer, program, or discount unless stated otherwise. 
    11. You will not be charged the annual fee for the first year if you have a BFL account with us. Preferred rate of 0.25% off the margin of the variable rate (discount does not apply to fixed introductory rates). Subject to credit approval. The preferred rate does not apply to existing BFLs. To receive the discount, you must identify yourself as a Business Priority Banking Gold Checking Account customer when you submit your application. Valid only if you and we agree to these terms in writing as part of your BFL agreement(s), and continue so long as you maintain your Business Priority Banking Gold Checking Account and eligible BFL account in good standing with us.  The benefit cannot be combined with another promotional offer, program, or discount unless stated otherwise.
    12. No annual fee. Preferred rate of 0.35% off the margin of the variable rate (discount does not apply to fixed introductory rates). Subject to credit approval. The preferred rate does not apply to existing BFLs. To receive the discount, you must identify yourself as a Business Priority Banking Platinum Checking Account customer when you submit your application. Valid only if you and we agree to these terms in writing as part of your BFL agreement(s), and continue so long as you maintain your Business Priority Banking Platinum Checking Account and eligible BFL account in good standing with us. The benefit cannot be combined with another promotional offer, program, or discount unless stated otherwise.
    13. Preferred rate of 0.25% off the non-promotional rate. Subject to credit approval. The preferred rate does not apply to loans secured by First Hawaiian Bank deposit accounts or to existing loans. For new loans, you must identify yourself as a Business Priority Banking Gold Checking Account customer when you submit your loan application. The benefit cannot be combined with another promotional offer, program, or discount unless stated otherwise.
    14. Preferred rate of 0.35% off the non-promotional rate. Subject to credit approval. The preferred rate does not apply to loans secured by First Hawaiian Bank deposit accounts or to existing loans. For new loans, you must identify yourself as a Business Priority Banking Platinum Checking Account customer when you submit your loan application. The benefit cannot be combined with another promotional offer, program, or discount unless stated otherwise.