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    July 12, 2020
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Emergency Assistance Program Dear Members, For us, "always right by you" is more than a tagline. It also means standing with you. With so many lives disrupted by the pandemic, we want our members to know we're ready to help. We've created a new Emergency Assistance Program to offer quick financial FOR HAWAII STATE FCU MEMBERS With the recent impacts of COVID-19, we understand your financial concerns. You may be wondering what relief is available. We are here to help. relief for our members. Get access to money with an emergency assistance loan. Defer loan payments on existing consumer loans and mortgages. And we're waiving early withdrawal EMERGENCY ASSISTANCE LOAN* Get access to money with a low rate personal loan with no fees on our term-share accounts. We understand the enormous financial prepayment penalty for qualifying members. difficulties created by the pandemic and we want you to know, we'll stand with you. LOAN PAYMENT DEFERRALS & MORTGAGE FORBEARANCE** Get relief from making scheduled monthly payments for qualified members. Hawaii State FCU consumer loan payments may be deferred for one to three months. A forbearance Sincerely, program for mortgage payments is also available. Andrew Rosen PENALTY FREE TERM SHARE WITHDRAWALS*** President and CEO Make withdrawals from your term share without an early withdrawal penalty. Let us know how we can help. Call (808) 587-2700 or visit www.HawaiiStateFCU.com/assistance for more details. HAWAII STATE Progam bject to change witout prior notice. Certain tema and condtons apply rates are effective as of 323/2020 and are ubject to change at any tine without pror notice. Spesk toa Hanai State FOU representative at 0 S87-2700 for more intomation mortha, win a sutsequent ieterest rite of 8000 to the semaining 3 yean. The blended - Speak to a Hawai Sute FCU mpresentatve at on sa7-2700 lor more information. A ver he entiee -morth term of the loan is 6.4N. o prepaymet penaty *wndraats will reduce eaming on the accut Penuty tee wedrat do sot apply A loan of $1.000 wi have 30 payments of S3134 per month and ttal interest paid of t RA Tem Saes. Minimum whdrawal is S500. your account talls bebe the $1.000 $128.11. This Emerpency Asistance Loan is avatle to aftected wai tents who minimum talance requirement the account must be dosed Speak to a Hai Sute FCU have been members as of 12312019. Menbers mut neet niinum qualifications representative at s0s Sa7-2700 for more intomation. estatlihed be he speoal program. The loan amourt is determined by the amount of income hat has been adverely impacted, wima mnimum an amourt of S00 and e maimum ban amourt of S5.000, a calulated by Hawai Sate FO. This program and FEDERAL CREDIT UNION always right by you Federally insured by NCUA Emergency Assistance Program Dear Members, For us, "always right by you" is more than a tagline. It also means standing with you. With so many lives disrupted by the pandemic, we want our members to know we're ready to help. We've created a new Emergency Assistance Program to offer quick financial FOR HAWAII STATE FCU MEMBERS With the recent impacts of COVID-19, we understand your financial concerns. You may be wondering what relief is available. We are here to help. relief for our members. Get access to money with an emergency assistance loan. Defer loan payments on existing consumer loans and mortgages. And we're waiving early withdrawal EMERGENCY ASSISTANCE LOAN* Get access to money with a low rate personal loan with no fees on our term-share accounts. We understand the enormous financial prepayment penalty for qualifying members. difficulties created by the pandemic and we want you to know, we'll stand with you. LOAN PAYMENT DEFERRALS & MORTGAGE FORBEARANCE** Get relief from making scheduled monthly payments for qualified members. Hawaii State FCU consumer loan payments may be deferred for one to three months. A forbearance Sincerely, program for mortgage payments is also available. Andrew Rosen PENALTY FREE TERM SHARE WITHDRAWALS*** President and CEO Make withdrawals from your term share without an early withdrawal penalty. Let us know how we can help. Call (808) 587-2700 or visit www.HawaiiStateFCU.com/assistance for more details. HAWAII STATE Progam bject to change witout prior notice. Certain tema and condtons apply rates are effective as of 323/2020 and are ubject to change at any tine without pror notice. Spesk toa Hanai State FOU representative at 0 S87-2700 for more intomation mortha, win a sutsequent ieterest rite of 8000 to the semaining 3 yean. The blended - Speak to a Hawai Sute FCU mpresentatve at on sa7-2700 lor more information. A ver he entiee -morth term of the loan is 6.4N. o prepaymet penaty *wndraats will reduce eaming on the accut Penuty tee wedrat do sot apply A loan of $1.000 wi have 30 payments of S3134 per month and ttal interest paid of t RA Tem Saes. Minimum whdrawal is S500. your account talls bebe the $1.000 $128.11. This Emerpency Asistance Loan is avatle to aftected wai tents who minimum talance requirement the account must be dosed Speak to a Hai Sute FCU have been members as of 12312019. Menbers mut neet niinum qualifications representative at s0s Sa7-2700 for more intomation. estatlihed be he speoal program. The loan amourt is determined by the amount of income hat has been adverely impacted, wima mnimum an amourt of S00 and e maimum ban amourt of S5.000, a calulated by Hawai Sate FO. This program and FEDERAL CREDIT UNION always right by you Federally insured by NCUA