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Forward-Looking Statements

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Critical Accounting Policies

Reserve for Acclaim Losses

A aftereffect of lending activities is that we may acquire acclaim losses. The bulk of such losses will adapt depending aloft the accident characteristics of the accommodation and charter portfolio as afflicted by bread-and-er altitude such as ascent absorption ante and the cyberbanking accomplishment of borrowers. The assets for acclaim losses consists of the allowance for accommodation and charter losses (the “Allowance”) and

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See Agenda 4 to the Circumscribed Cyberbanking Statements and the “Corporate Accident Contour – Acclaim Risk” breadth in Management’s Altercation and Assay of Cyberbanking Activity and After-effects of Operations (“MD&A”) for added advice on the Allowance and the Unfunded Reserve.

Fair Bulk Measurements

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allowance of $1.0 actor and $3.7 million, respectively, accompanying to our deferred tax assets accustomed in affiliation with our low-income apartment investments.

In 2017, the Aggregation accustomed federal and Accompaniment of Hawaii advance tax credits from activity investments. The Aggregation uses the cessation acclimation of accounting for its advance tax acclaim with the anniversary accustomed in the accouterment for assets taxes. These credits bargain the Company’s accouterment for assets taxes by $5.4 million, 4.7 actor and 3.5 actor in 2017, 2016 and 2015, respectively.

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Hawaii Economy

Our college net assets in 2017 was primarily due to the following:

• Net absorption assets was $457.2 actor in 2017, an admission of $39.7 million

or 9% compared to 2016. On a taxable-equivalent basis, net absorption income

was $469.1 actor in 2017, an admission of $39.5 actor or 9% compared to

2016. This admission was primarily due to a college akin of earning assets,

including advance in both our bartering and chump lending portfolios, and

college net absorption margin. The college akin of earning assets was primarily

adjourned by college drop balances. Net absorption allowance was 2.93% in 2017, a

10 abject point admission from 2016, primarily due to our loans, which

about accept college yields than our advance securities, absolute a

beyond allotment of our earning assets compared to 2016. In addition, yields

added for our bartering loans and advance portfolio. Yields on our

accommodation portfolios added primarily due to college yields on amphibian rate

• Added noninterest bulk was $61.7 actor in 2017, a abatement of $3.0

actor or 5% compared to 2016. The abatement was due in allotment to a $0.9

actor abatement in commitment and postage anniversary and a $0.8 actor decrease

in solar activity tax acclaim affiliation acquittal expense.

These items were partially anniversary by the following:

• We recorded a $16.9 actor accouterment for acclaim losses in 2017 compared to a

$4.8 actor accouterment recorded in 2016. The accouterment recorded was based on

our affirmation that the allowance for accommodation and charter losses should be

$107.3 actor as of December 31, 2017.

• Mortgage cyberbanking assets was $12.9 actor in 2017, a abatement of $6.9 million

or 35% compared to 2016. This abatement was primarily due to bargain sales and

margins on sales of befitting bartering loans from accustomed assembly and

from our mortgage accommodation portfolio.

• Accouterment for assets taxes was $83.4 actor in 2017, an admission of $5.3

actor or 7% compared to 2016 primarily due to college able tax bulk and

pretax income. The able tax bulk was 31.11% in 2017 compared to 30.10%

in 2016. The college able tax bulk in 2017 compared to 2016 was primarily

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• Salaries and allowances bulk was $205.5 actor in 2017, an admission of $4.4

actor or 2% compared to 2016 primarily due to a $6.0 actor admission in

salaries bulk mainly due to arete increases and a $2.2 actor bonus,

across-the-board of bulk taxes, paid in the fourth assay of 2017, due in part

to advancing approaching tax bulk reductions constant from the Tax Cuts and

Jobs Act. Break bulk added by $1.2 million. These increases were

partially anniversary by a $2.0 actor abatement in share-based compensation.

Commission bulk additionally decreased by $1.0 actor primarily due to a decrease

in accommodation alpha and refinancing activity.

• Added noninterest assets was $15.8 actor in 2017, a abatement of $2.8

actor or 15% compared to 2016. This abatement was primarily due to a $2.3

actor abatement in fees from our chump absorption bulk bandy derivatives,

and a $0.9 actor abatement in net accretion on auction of charter assets.

We maintained a able antithesis breadth throughout 2017, with what we accept are able affluence for acclaim losses, and aerial levels of clamminess and capital.

• Absolute loans and leases were $9.8 billion as of December 31, 2017, an increase

of $0.8 billion or 9% from December 31, 2016 primarily due to advance in both

our bartering and chump lending portfolios.

• The allowance for accommodation and charter losses (the “Allowance”) was $107.3 million

as of December 31, 2017, an admission of $3.1 actor or 3% from December 31,

2016. The arrangement of our Allowance to absolute loans and leases outstanding

decreased to 1.10% as of December 31, 2017, compared to 1.17% as of

December 31, 2016. The akin of our Allowance was able with the

Company’s acclaim accident profile, accommodation portfolio advance and composition, and a

• The absolute accustomed bulk of our advance antithesis portfolio was $6.2

billion as of December 31, 2017, an admission of $142.1 actor or 2% from

December 31, 2016. In 2017, we primarily added our backing in

mortgage-backed antithesis issued by Fannie Mae and Ginnie Mae. In addition,

we additionally added our backing in Baby Business Administering securities,

while abbreviating our backing in U.S.Treasury securities. Ginnie Mae

mortgage-backed antithesis abide to be our bigger absorption in our

• Absolute deposits were $14.9 billion as of December 31, 2017, an admission of

$0.6 billion or 4% from December 31, 2016 primarily due to college consumer

• Absolute shareholders’ disinterestedness was $1.2 billion as of December 31, 2017, an

admission of $70.3 actor or 6% from December 31, 2016. We connected to

acknowledgment basic to our shareholders in the anatomy of allotment repurchases and

dividends. During 2017, we repurchased 571,626 shares of accustomed banal at a

absolute bulk of $47.1 actor beneath our allotment repurchase affairs and from

advisers and/or admiral in affiliation with assets tax withholdings related

to the vesting of belted stock, shares purchased for a deferred

advantage plan, and banal swaps, beneath shares broadcast from the deferred

advantage plan. We additionally paid banknote assets of $87.1 actor during 2017.

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Analysis of Statements of Income

Held-to-Maturity

6,129.0 132.0 2.15 6,504.9 142.6 2.19 Loans Captivated for Sale

Total Loans and Leases 9,346.8 370.8 3.97 8,362.2 333.1 3.98 7,423.6 298.7 4.02 Other

1 Non-performing loans and leases are included in the corresponding boilerplate loan

and charter balances. Income, if any, on such loans and leases is accustomed on

a banknote basis.

2 Comprised of added chump revolving credit, installment, and chump lease

financing.

3 Absorption assets includes taxable-equivalent abject adjustments, based aloft a

federal accustomed tax bulk of 35%, of $11.8 actor for 2017, $12.0 million

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Analysis of Change in Net Absorption Assets – Taxable-Equivalent Abject

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(2,821 ) 3,971 (15 ) 27 Absolute Noninterest Assets $ 185,417$ 197,343$ 186,219$ (11,926 )$ 11,124 (6 )% 6 %

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Bank-owned activity allowance remained almost banausic in 2017 compared to 2016. Bank-owned activity allowance decreased by $0.5 actor or 7% in 2016 compared to 2015 primarily due to college afterlife allowances accustomed in 2015.

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(2,992 ) (6,258 ) (5 ) (9 ) Absolute Noninterest Bulk $ 357,691$ 350,578$ 348,104$ 7,113$ 2,474

Professional fees added by $1.6 actor or 16% in 2017 compared to 2016 primarily due to a $0.9 actor admission in acknowledged fees and a $0.8 actor admission in able casework primarily in our mortgage division. Able fees remained almost banausic in 2016 compared to 2015.

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Our business segments are Retail Banking, Bartering Banking, Advance Casework and Clandestine Banking, and Treasury and Other. Table 6 summarizes net assets from our business segments for 2017, 2016, and 2015. Added advice about articulation accomplishment is presented in Agenda 13 to the Circumscribed Cyberbanking Statements.

Commercial Banking

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Investment Casework and Clandestine Banking

Treasury and Other

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Analysis of Statements of Condition

Investment Securities

Table 7 presents the adeptness administering at amortized cost, weighted-average crop to maturity, and fair bulk of our advance securities. Maturities and Boilerplate Crop on Securities

1 Weighted-average yields on obligations of states and political subdivisions

are about tax-exempt and are computed on a taxable-equivalent abject using

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4,069,461 3,566,954 Absolute Loans and Leases $ 9,796,947$ 8,949,785$ 7,878,985$ 6,897,589$ 6,095,387

1 Comprised of added revolving credit, installment, and charter financing.

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Total loans and leases were $9.8 billion as of December 31, 2017. This represents a $0.8 billion or 9% admission from December 31, 2016 primarily due to advance in our chump lending portfolio.

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See Agenda 4 to the Circumscribed Cyberbanking Statements and the “Corporate Accident Contour – Acclaim Risk” breadth of MD&A for added advice on our accommodation and charter portfolio.

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Table 9 presents the geographic administering of our accommodation and charter portfolio. Geographic Administering of Accommodation and Charter Portfolio

(dollars in thousands) Hawaii Mainland 1 Guam Islands Adopted 2

Total Bartering 3,199,909 280,049 269,109 13,614

Consumer

1 For anchored loans and leases, allocation as U.S. Mainland is fabricated based

Our Hawaii accommodation and charter portfolio added by $803.4 actor or 10% from December 31, 2016, cogitating of a advantageous Hawaii economy.

Table 10 presents a adeptness administering for called accommodation categories. Maturities for Called Accommodation Categories 1

1 Based on acknowledged maturities. 2 As of December 31, 2017, loans crumbling afterwards one year consisted of $674.9 actor in capricious bulk loans and $443.2 actor in anchored bulk loans.

Goodwill

Other Assets

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balances accompanying to adjustment timing of merchant casework admission of ($4.8 million). See Agenda 7 to the Circumscribed Cyberbanking Statements for added advice on the acceding of our added assets.

Deposits

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Securities Awash Beneath Agreements to Repurchase

Total Antithesis Awash Beneath Agreements to Repurchase $ 505,293$ 523,378

Other Debt

Pension and Postretirement Plan Obligations

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Benefits Postretirement Allowances Allowances Postretirement Allowances 2017 Net Alternate Anniversary Bulk 4.45 %

See Agenda 14 to the Circumscribed Cyberbanking Statements for added advice on our alimony and postretirement anniversary plans.

Foreign Activities

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Non-Performing Assets and Accruing Loans and Leases Accomplished Due 90 Canicule or More

Total Accruing Loans and Leases

1 Comprised of added revolving credit, installment, and charter financing.

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NPAs abide of non-accrual loans and leases, and bankrupt absolute estate. Changes in the akin of non-accrual loans and leases about represent increases for loans and leases that adeptness a authentic accomplished due status, anniversary by reductions for loans and leases that are charged-off, paid down, sold, transferred to bankrupt absolute estate, or are no best classified as non-accrual because they accept alternate to accretion status.

Commercial mortgage non-accrual loans added by $0.4 actor or 40% from December 31, 2016 primarily due to the accession of one loan. We accept alone evaluated the four bartering mortgage non-accrual loans for crime and accept recorded no fractional charge-offs.

Loans and Leases Accomplished Due 90 Canicule or Added and Still Accruing Interest

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Loans Adapted in a Afflicted Debt Restructuring

Table 17 presents advice on loans whose acceding accept been adapted in a TDR: Loans Adapted in a Afflicted Debt Restructuring Table 17

1 Comprised of added revolving acclaim and chapter financing.

Loans adapted in a TDR added by $0.1 actor from December 31, 2016. Residential mortgage loans abide our bigger TDR accommodation class. As of December 31, 2017, $55.7 actor or 93% of loans adapted in a TDR were assuming in accordance with their adapted acknowledged acceding and were on accretion status.

Generally, loans adapted in a TDR are alternate to accretion cachet afterwards the borrower has accustomed accomplishment beneath the adapted acceding by authoritative at atomic six afterwards payments. See Agenda 4 to the Circumscribed Cyberbanking Statements for a description of the modification programs that we currently activity to our customers.

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Balance at Alpha of Aeon $ 110,845$ 108,952$ 114,575

Balance at End of Aeon 2 $ 114,168$ 110,845$ 108,952

Total Assets for Acclaim Losses $ 114,168$ 110,845$ 108,952

2 Included in this assay is activity accompanying to the Company’s assets for

unfunded commitments, which is alone recorded in added liabilities in the

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Allowance for Accommodation and Charter Losses

31,

1 Comprised of added revolving credit, installment, and charter financing.

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Other Acclaim Risks

Our use of acquired cyberbanking instruments has been absolute bound in contempo years. However, these cyberbanking instruments do betrayal the Aggregation to counterparty acclaim risk. See Agenda 17 to the Circumscribed Cyberbanking Statements for added information.

Our primary bazaar accident acknowledgment is absorption bulk risk.

Interest Bulk Risk

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In managing absorption bulk risk, we, through the Asset/Liability Administering Committee (“ALCO”), admeasurement abbreviate and abiding sensitivities to changes in absorption rates. The ALCO, which is comprised of associates of authoritative management, utilizes several techniques to administer absorption bulk risk, which include:

• adjusting the anniversary of activity mix or altering the absorption rate

characteristics of assets and liabilities;

• alteration artefact appraisement strategies;

• modifying characteristics of the advance antithesis portfolio; and

• application acquired cyberbanking instruments.

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Liquidity Accident Management

Capital Management

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In January 2018, the Parent’s Board of Admiral declared a anniversary banknote allotment of $0.52 per allotment on the Parent’s outstanding shares. The allotment will be payable on March 14, 2018 to shareholders of almanac at the aing of business on February 28, 2018.

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Regulatory Initiatives Affecting the Cyberbanking Industry

Basel III

Management continues to adviser authoritative developments and their abeyant appulse to the Company’s clamminess requirements.

Stress Testing

Deposit Allowance Armamentarium (“DIF”) Assessment

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Off-Balance Breadth Arrange and Guarantees

Off-Balance Breadth Arrangements

Guarantees

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Contractual Obligations Deposits with No Stated Adeptness $ 13,195,876 $ – $ – $

Non-Cancelable Operating Leases 12,521 20,867 18,259

Total Acknowledged Obligations $ 14,818,592$ 421,074$ 519,014$ 145,776$ 15,904,456

1 Our accountability for anonymous tax allowances (“UTBs”) as of December 31, 2017

was $5.3 million. We were clumsy to analytic appraisal the aeon of cash

adjustment with the corresponding demanding authority. As a result, our liability

for UTBs is not included in this disclosure.

2 Amounts alone accommodate obligations accompanying to the unfunded non-qualified pension

plan and postretirement anniversary plan.

See altercation of credit, lease, and added acknowledged commitments in Agenda 20 to the Circumscribed Cyberbanking Statements.

Future Application of Accounting Pronouncements

See altercation of the accustomed appulse of accounting pronouncements afresh issued but that we accept not adopted as of December 31, 2017 in Agenda 1 to the Circumscribed Cyberbanking Statements.

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Selected Anniversary Circumscribed Cyberbanking Data

Table 23 presents our called anniversary cyberbanking abstracts for 2017 and 2016. Condensed Statements of Income

(dollars in thousands, except per allotment amounts) Dec 31Sep 30Jun 30Mar 31Dec 31Sep 30Jun 30Mar 31 Absorption Income

119,852 $ 117,067$ 113,979$ 113,785$ 113,069 Absorption Expense

9,980 9,974 10,067 10,235 10,045 Net Absorption Assets 118,770 116,317 112,279 109,872 107,093 103,912 103,550 103,024 Accouterment for Acclaim Losses

4,400 3,250 2,500 1,000 (2,000 ) Advance Antithesis Gains

12,133 (337 ) (328 ) (312 ) 11,180 Noninterest Income

1.20 $ 1.02$ 1.02$ 1.03$ 1.16 Assets Declared Per Share

0.50 $ 0.48$ 0.48$ 0.48$ 0.45

17.63 14.90 14.89 15.56 17.88 Ability Arrangement 1

53.42 58.33 57.58 57.35 54.88 Net Absorption Allowance 2 2.98 2.92 2.92 2.89 2.83 2.80 2.85 2.86

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Fourth Assay After-effects and Added Matters

Net Income

Provision for Acclaim Losses

Noninterest Income

Noninterest Expense

Provision for Assets Taxes

Common Banal Repurchase Program

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Item 7A. Quantitative and Qualitative Disclosures About Bazaar Risk

See the Bazaar Accident breadth in Management’s Altercation and Assay of Cyberbanking Activity and After-effects of Operation included in Item 7 of this report.

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