* The mortgage discount offer (“offer”) is applicable for home purchase transactions financed through American Savings Bank (“ASB”) residential mortgage programs. Promotion is not applicable for brokered out loans or Veterans Affairs Loans. Offer good only with a completed loan application submitted to American Savings Bank and for a loan locked through 02/28/2021 and closed/funded by American Savings Bank by 04/30/2021. Offer is subject to automatic payments from a new or existing ASB checking account for this offer of one-half (0.50) point off loan origination points. The ASB checking account number with the intent to establish automatic payments for the mortgage must be provided prior to final approval of the loan by ASB. The establishment of automatic payments must be signed at mortgage closing. If the borrower opts out of automatic payments or the ASB checking account is not established at loan closing, this promotion will not apply. See the Personal Deposit Account Terms and Conditions for other terms, conditions and fees for Kalo Checking accounts. This offer cannot be combined with any other promotional discounts, long-term rate lock specials, or new project financing rates unless otherwise specified. This offer is subject to change or discontinuation without notice. Offer good for 1-4 unit single-family dwellings, condotels, and condos. The financed residential property must be owner-occupied. For the purpose of this promotion, an individual is to be considered a first time home buyer if he or she (1) is purchasing the security property; (2) will reside in the security property as a principal residence; and (3) had no ownership interest (sole or joint) in a residential property during the three-year period preceding the date of the purchase of the security property. In addition, an individual who is a displaced homemaker or single parent also will be considered a first time home buyer if he or she had no ownership interest in a principal residence (other than a joint ownership interest with a spouse) during the preceding three year time period. (Source: Fannie Mae). Applicant(s) is/are subject to loan qualification, underwriting guidelines, and credit policy of American Savings Bank. Offer valid for Hawaii properties only. Certain terms and restrictions apply. For more information, please contact an American Savings Bank Residential Loan Officer.

** Get $100 when you 1) set up a new direct deposit to the ASB checking account you use to automatically pay your mortgage from and 2) have a minimum of 2 consecutive calendar months of direct deposit totaling $1,000 each month, and 3) qualifying direct deposit must post to your account within 3 months after the month of your Mortgage Note date but no later than 02/28/2021 to receive the $100 (“gift”). Direct deposit means electronic government or payroll deposits made to the account. Gift will be deposited into the account used for automatic payments and where the direct deposits have posted. For Mortgage Note dates in December 2020, gift will be credited on April 9, 2021, for Mortgage Note dates in January 2021, gift will be credited on May 7, 2021 and for Mortgage Note dates in February 2021, gift will be credited on June 11, 2021. Eligible ASB checking account must not have any direct deposit posted to the account for a minimum of 3 months prior to the start of the promotion. Value of the gift is considered interest and may be reported to the IRS. Limit of one gift per customer and only one account per customer is eligible.