Rev. 11/21

FACTS

WHAT DOES FIRST HAWAIIAN BANKDO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers
the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share,and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you havewith us. This information can include:n Social Security number and employment informationn account balances and overdraft history
n payment history and account transactions

How?

All financial companies need to share customers’ personal information to run their everyday business.
In the section below, we list the reasons financial companies can share their customers’ personal
information; the reasons First Hawaiian Bank chooses to share; and whether you can limit this sharing.
Does First Hawaiian Bank
share?

Can you limit this sharing?

For our everyday business purposes —such as to process your transactions, maintain your account(s),respond to court orders and legal investigations, or report tocredit bureaus

Yes

No

For our marketing purposes —to offer our products and services to you

Yes

NoFor joint marketing with other financial companies

Yes

No

For our affiliates’ everyday business purposes —information about your transactions and experiences

Yes

No

For our affiliates’ everyday business purposes —information about your creditworthinessNo

We don’t share

For our affiliates to market to you

Yes

Yes

For nonaffiliates to market to you

No

We don’t share

Reasons we can share your personal information

To limitour sharingn Mail the form below

Questions?

Call (808) 844-4444 or toll-free (888) 844-4444

Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice.
When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.

Mail-in Form
If you have a joint
account, yourchoice will apply toeveryone on youraccount unless you
mark below.

Mark if you want to limit:
q Do not allow your affiliates to use my personal information to market to me.

q Apply my choice
only to me.

AddressName

City State Zip
Account #Mail to:First Hawaiian
Bank - OSD
Service Center
Attn: Opt-Out
P.O. Box 1959
Honolulu, HI96805

Page 2

What we do
How does First Hawaiian
Bank protect my personal
information?

To protect your personal information from unauthorized access and use, we use security
measures that comply with federal law. These measures include computer safeguards
and secured files and buildings.

How does First Hawaiian
Bank collect my personal
information?

We collect your personal information, for example, when you:n open an account or apply for a loann apply for insurance or seek advice about your investments
n make deposits or withdrawals from your accountWe also collect your personal information from others, such as credit bureaus, affiliates,or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only:
n sharing for affiliates’ everyday business purposes — information about your creditworthinessn affiliates from using your information to market to you
n sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit
sharing for an account I holdjointly with someone else?

Your choice will apply to everyone on your account-unless you tell us otherwise.

Definitions
Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial
companies.
n Our affiliates include financial companies such as Bishop Street Capital Management
and First Hawaiian Leasing.

Nonaffiliates

Companies not related by common ownership or control. They can be financial andnonfinancial companies.
n First Hawaiian Bank does not share with nonaffiliates so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market
financial products or services to you.
n Our joint marketing partners include insurance companies and Raymond James
Financial Services, Inc.

M-1724 (Rev. 11/21)

HOW TO PROTECT YOUR CREDIT INFORMATION.
We may report information about your account to credit
bureaus. Late payments, missed payments, or other defaults
on your account may be reflected in your credit report.
It’s a good idea to check your report periodically with one or moreof the major credit bureaus listed below to see that the information isaccurate and up to date.
Equifax, Inc.
(800) 685-1111
www.equifax.com
Trans Union Corporation(800) 888-4213
www.transunion.com
Experian(888) 397-3742
www.experian.com
If you believe that we have incorrect information or have reported
inaccurate information to a credit bureau, please write to us at:
First Hawaiian Bank Corporate Compliance Division
P.O. Box 1959 Honolulu, Hawaii 96805••PROTECT YOUR GOOD NAME.
You can take steps to secure your personal information and guard
against identity theft, one of the fastest-growing kinds of fraud. (Identitytheft occurs when criminals steal your financial information and assume
your identity — applying for credit in your name, running up huge bills
and generally wrecking your credit history.)• If you suspect your identity has been stolen:- Contact First Hawaiian Bank immediately so we can start closing
accounts and clearing your name. Call (808) 844-4444 (fromOahu) or call toll-free (888) 844-4444 (from the Mainland U.S. or
Neighbor Islands). From Guam, call (671) 475-7900. From CNMI,call (670) 235-3090.
- File a police report and call the fraud units of the major credit bureaus:
Equifax(800) 525-6285
Trans Union (800) 680-7289
Experian(888) 397-3742- Report the incident to the toll-free Identity Theft Hotline of theFederal Trade Commission at 1-877-ID THEFT (438-4338) oronline at www.IdentityTheft.gov. Counselors there can help you
resolve problems.
- Learn more about identity theft at www.ftc.gov/idtheft