tomorrow - Bank of Hawaii
Transcription
tomorrow - Bank of Hawaii
Community Report 2015 Bui ldi ng a Bet ter TOM ORROW BANK OF HAWAII 2 015 IMPACT AT A GL ANCE COMM UNI TY AWA RDS A ND RECOGNI TION Employees Ranked among the top 10 U.S. banks in each of the past seven years by Forbes magazine. Volunteer hours contributed to community organizations, including financial education. Recognized as the SBA Lender of the Year in the past 11 out of 13 years by the U.S. Small Business Administration–Hawaii Chapter. Volunteer hours contributed to financial education of children in schools. Nonprofit community partners. Low-income housing units financed by Bank of Hawaii through Low-Income Housing Tax Credits. Consecutive ratings of “Outstanding,” the highest possible rating by the Federal Reserve Bank of San Francisco, for performance under the Community Reinvestment Act. Guaranteed loans valued at $11 million made by Bank of Hawaii to small businesses in 2015, leading to Bank of Hawaii being named Hawaii’s “Lender of the Year” in Category 1 by the Small Business Administration. Contributions of Bank of Hawaii and its employees and retirees, and Bank of Hawaii Foundation to community organizations. Honored with the national Corporate Social Responsibility Leadership Award in each of the past five years by the Financial Services Roundtable. Voted “Hawaii’s Best Bank” in each of the past five years by Honolulu Star-Advertiser readers in the “People’s Choice” awards. Voted 2015 “Hawaii’s Best Bank,” by Honolulu magazine readers. CHAIRMAN’S MESSAG E | 1 ALOHA , With our unique location and heritage, caring for our community means something different here in Hawaii than it does anyplace else. Building a better tomorrow relies on a commitment to change to benefit the entire ‘ohana. At Bank of Hawaii our roots of community support run deep. As Hawaii’s largest independently owned financial institution, we are always looking for new ways to serve. We continue to evolve our banking and investment services and products in order to help people build financial security for their lifetime and succeeding generations. And we provide year-round philanthropic efforts through event sponsorships, Bank of Hawaii Foundation grants and the generosity of our more than 2,000 employee volunteers (known as our Bankoh Blue Crew). This report highlights some of the challenges currently facing our communities, as well as some of our efforts to respond. I hope you find it useful. It also contains information on our community partnerships with individuals and organizations who are making a difference by improving our communities. We extend a warm mahalo to them for the visions they share and for the help they provide. We recognize that small changes can have a big impact, and we’re proud of the ways we were able to help in 2015. Together we can look forward to building a better tomorrow for generations to come. Sincerely, Peter S. Ho Chairman, President, and Chief Executive Officer, Bank of Hawaii Corporation and Bank of Hawaii Chairman, Bank of Hawaii Foundation 2 | BANK OF HAWAII EMPLOYEE G IVING L i v e K o- k u a G i v i n g C a m p a i g n Our employees believe in supporting causes that can provide a brighter tomorrow for some of the most vulnerable in our communities. Each year, employees vote for the nonprofit beneficiaries of our Live Ko- kua Giving Campaign, then spend five weeks raising awareness and fundraising for these organizations. Employees and retirees raised a record $667,889 to support the 23 nonprofits they selected for the Bank of Hawaii 2015 Live Ko- kua Giving Campaign. In 2015, Bank of Hawaii, Bank of Hawaii Foundation, and bank employees and retirees contributed $2.7 million to more than 400 community organizations and philanthropic causes. Employees and retirees alone contributed $774,146 through the annual Live Ko-kua Community Walk and Giving Campaign. OF HAWAII BANK L i v e K o- k u a C o m m u n i t y W a l k For the ninth year in a row, approximately 1,000 employees and their families walked to show their support for the community at the Bank of Hawaii Live Ko- kua Community Walk on Oahu. Employees raised $106,257 that was split equally among the three selected nonprofits: Hawaii Meals on Wheels, Hawaiian Humane Society and American Cancer Society – Hawaii Chapter. Employees on Hawaii Island, Maui and Kauai also showed their support by fundraising and walking in the annual Visitor Industry Charity Walk held on each of these islands. Employees in Guam, Saipan and American Samoa continued their tradition of raising funds for their own local nonprofits. OF HAWAII EM PLOY EE GIV ING | 3 4 | BANK OF HAWAII EMPLOYEE G IVING L i v e K o- k u a V o l u n t e e r P r o g r a m Bank of Hawaii employees are also generous with their time when it comes to supporting the community. Each year they volunteer thousands of hours to community service projects supporting nonprofits across Hawaii, American Samoa, Guam and Saipan. Established in 2006, our Live Ko-kua Volunteer Program is completely employee led. A steering committee representing employees from across the bank helps identify new community service projects and opportunities while also connecting employees with some that have become regular favorites. 124 11,225 community service projects or events in 2015 volunteer hours Clockwise from top left: Bank of Hawaii’s Bankoh Blue Crew paint the Ala Moana Beach Park pathway with a slip-resistant coating, help Ka-ko‘o ‘O-iwi restore the upper reaches of He‘eia stream with native plants and sell special edition newspapers in downtown Honolulu for Parents and Children Together Keiki Day. BANK OF HAWAII EM PLOY EE GIV ING | Clockwise from top left: In downtown Honolulu, bank volunteers help kick-off Aloha United Way’s fundraising campaign, serve meals at The Institute for Human Services’ shelter, remove 3,000 pounds of algae and mudweed in an effort to help Ma-lama Maunalua restore Maunalua Bay and collect canned goods for the annual Hawaii Bankers Association Foodbank Drive. 5 6 | HAWAII ASSET-REL ATED INDIC ATORS Home Ownership1 Hawaii Asset-Related Indicators In 2015, Hawaii continued to experience a strong economy. The unemployment rate of 3.2 percent was among the lowest in the nation and a record 8.6 million visitors1 came to Hawaii. The housing market also performed well, but as real estate prices continued to appreciate, home ownership proved to be a challenge for many residents. While positive efforts are underway to create more opportunities for low- to moderate-income housing and workforce housing, these key 2015 indicators for Hawaii show why Bank of Hawaii aims to help our communities. 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% 60% 58% | 2005 54% | | 2007–08 2009–10 58% 57% 57% 56% | 2012 | 2013 | 2014 | 2015 56.2% of Hawaii’s households own their homes. With the national average of 63.5%, Hawaii ranked 47 overall, one of the lowest in the country. Housing Cost Burden1 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% 46% 50% 49% 48% 44% | 2009–10 | 2012 | 2013 | 2014 | 2015 43.7% of income in Hawaii households is consumed by costs of owning a home, the highest in the country. Fair-Market Rent2 $ 1,800 1,600 1,400 1,200 1,000 800 600 400 200 0 $ 1,509 $ 1,509 $ 1,536 • $ 1,159 • • • $ 1,610 $ 1,616 $ 1,647 $ 1,671 $ 1,640 $ 1,644 • • • • • • $ 1,224 • | | | | | | 2005 2006 2007 2008 2009 2010 | 2011 | 2012 | 2013 | 2014 | 2015 $1,644 for a two-bedroom apartment at “fair-market rent” continues to be the highest in the country. Fair-market rent is determined by the Dept of Housing and Urban Development (HUD). Sources: 1Corporation for Enterprise Development’s 2015 Assets and Opportunities Scorecard for Hawaii, http://scorecard.assetsandopportunity.org/2015/state/hi. 2National Low Income Housing Coalition, Housing Out of Reach 2015: Hawaii, http://nlihc.org/oor/2015/HI. H OUSING | Hawaii’s #1 Residential Lender 1 3rd year in a row In number of loans made in the state of Hawaii In total dollars by a local bank for residential loans Bank of Hawaii is proud to help thousands of families pursue homeownership, home improvement or refinancing each year. With our extensive branch network, we are the most convenient mortgage lender in the state. We also offer specialized financing options such as government loans, home equity credit lines, construction loans and customized programs for Native Hawaiians. Source: 1 Title Guaranty, derived from Hawaii Bureau of Conveyances tax data for 2015. Peter and Adi Phillips at their townhouse at Ka Malanai in Kailua, a 153-unit condo development by D.R. Horton – Schuler Division. 7 8 | HOUSING Housing Bank of Hawaii is helping to build stronger communities by financing affordable and workforce housing options that meet a range of community needs for local families and kupuna on Oahu, Maui, Kauai, Hawaii Island and Saipan. Bank of Hawaii provided a $29 million construction loan to build Phase II of Ko‘oloa‘ula, an affordable rental community in Kapolei, which includes five three-story buildings and sixteen two-story buildings. Construction on Phase II began in June 2015 and is expected to be completed in 2017. The first buildings will be ready for occupancy in May 2016. SVP Carole Lau of Bank of Hawaii’s Commercial Real Estate Loan Division, Executive Director David Nakamura of Mutual Housing Association of Hawaii and EVP Tony Mizuno of Bank of Hawaii’s Commercial Real Estate Loan Division helped bring 188 units of Ko‘oloa‘ula II to Kapolei. H OUSING | H e l p i n g To B u i l d A f fo rd a b l e H o u s i n g : LOW-INCOME HOUSING TAX CREDITS ▲ ■ ■■ ▲ ■ ■■ ▲ ▲■■ ■■▲ ■■ ■■ ■ KAUAI ▲ ■ ■■ ▲ ▲ ■ ■■■ ■■ ■ ■■■ ■■ ■ ■ ■■ ■ ■ ■■ ■ ■■ ▲ ▲ ■■ ■ ■ ■■ ▲ ▲▲ ■■ ▲ ■▲ ■ ▲ ■■ ■■ ■■▲ ▲ ▲ ■ ■▲ ■■ ■■▲ ▲ ■■ ■■▲■■ Kekaha ■ Kekaha Plantation Elderly Housing (36) Lihue ■ ■ ■ Kalepa Village II (40) Kalepa Village III (39) Rice Camp Senior Housing (59) Princeville ■ Kolopua Apartments (44) OAHU The federal Low-Income Housing Tax Credit (LIHTC) program is the leading affordable rental housing program in the country. Bank of Hawaii understands the complexities of LIHTC financing, and works closely with project sponsors and state housing agencies to help fund the construction of rental housing for lower-income households, including seniors. Kinau Vista Senior Housing (62) Kukui Gardens (379) Na Lei Hulu Kupuna Senior Housing (75) Piikoi Vista Senior Housing (47) Tusitala Vista Senior Housing (106) ■■ ■■ MAUI Kihei ▲ ■■ ■ ▲ ■ ■■ Hale Mahaolu Ehiku I Senior Housing (34) ■ Hale Mahaolu Ehiku II Senior Housing (59) ■ Kahuku ■ Kahuku Elderly Housing Project (64) Kapolei ■ ■ ■ ■ Kekuilani Gardens (55) Palehua Terrace II (64) The Villas at A‘eloa (71) Villas at Maluohai (71) Mililani ■ ■ Kalani Gardens (116) Meheula Vista – Phase I (76) Pearl City ■ ■ ■ ■ Hale Mohalu II Senior Housing (163) Hale Mohalu II Family (84) Hale Mohalu II Family IV (84) Manana Gardens (72) Waianae ■ ■ Hale Wai Vista I (83) Hale Wai Vista II (132) *Number of LIHTC Units for each investment is indicated in parentheses. ▲ ■■▲ Honolulu ■ ■ ■ ■ ■ Bank of Hawaii has invested or committed to invest $69 million in low-income housing tax credit partnerships as of December 2015. As depicted on the map*, these investments facilitated the development of 2,376 affordable rental housing units throughout Hawaii. ▲ ■■▲ ▲ ■■ ■▲ ■ HAWAII ISLAND Hilo ▲ 2020 Kinoole Senior Residence (29) ■ Kamana Elderly Housing (61) ■ Mohouli Senior Housing (59) ■ Riverside Apartments (73) ■ Kailua-Kona ■ Hualalai III Senior Housing (30) Kohala ■ Ainakea Senior Residences (29) Waimea ■ Kamuela Senior Housing (31) ■ ■■ ■ ■■ ■ ■■ 9 10 | F I N A N C I A L E D U C AT I O N Building a Better Financial Future Financial education is critical for family and individual survival and community growth. Our employees contribute to financial education initiatives for generations young and old through various programs: Keane Santos, assistant manager at Main Banking Center, shows first-graders at Palolo Elementary the importance of saving on Teach Children to Save Day. For our “Teach Children to Save” and “Get Smart About Credit” programs, employees visit thousands of public school students to help them get a better understanding of the importance of savings, budgeting and credit and their impact on jobs, college life and beyond. In 2015, employees reached more than 6,000 students in 35 schools for these combined programs. ■ ■ For the past seven years, our “SmartMoney Seminars” have offered free financial expertise and guidance to the public, and covered topics from “Buying Your First Home” to “How to Save and Budget.” More than 800 participants attended these seminars in 2015. Through partnerships with various nonprofits and government agencies, employees help to prepare free tax returns for those in need through the Volunteer Income Tax Assistance (VITA) program, as well as mentor foster youth and open special matched-funds savings accounts for them. ■ EDU C AT ING OU R K EIK I | 11 E d u c a t i o n f o r To m o r r o w ’s G e n e r a t i o n PBS Hawaii’s “What I Learned” series shows viewers a behind-the-scenes look at creating a HIKI NO episode. At left, students from Saint Francis School wrap up editing their segment. Fostering tomorrow’s leaders and innovators entails educational opportunities linking the creative to the analytical. Bank of Hawaii is proud to sponsor a variety of innovative educational programs such as these. P B S H AWA I I — H I K I N O HIKI NO is the nation’s first and only student news show with a statewide network of schools. Students from 90 participating public, private and charter high schools and middle schools work with teachers and mentors to create news and feature stories that are shared with Hawaii and the world. Since 2011, Bank of Hawaii Foundation has supported - in providing students HIKI NO access to 21st-century education and workforce skill development. POLYNESIAN VOYAGI NG SOCIETY—MA- L AMA HONUA WORLDW IDE VOYAGE Polynesian Voyaging Society is perpetuating a legacy of Pacific Ocean exploration and the art and science of traditional Polynesian voyaging through programs that inspire students and their communities to respect and care for themselves, one another, and their natural and cultural The completed HIKI NO stories environments. The Ma- lama Honua show only the tip of the iceberg when it comes to revealing students’ Worldwide Voyage focuses on overall learning experiences. To help the journeys of voyaging canoes Ho-ku-le‘a and Hikianalia through illuminate the process, PBS Hawaii has produced short “what I learned” 2017 to promote sustainability and education around the globe. Bank mini-documentaries, in which of Hawaii Foundation has provided students share their experiences - reporters, editors a multi-year pledge to support the as HIKI NO Polynesian Voyaging Society mission and writers. and its educational programs. 12 | SUPPORTING CRE ATIVE GROW TH Promoting Arts and Culture We understand how arts and culture enhance our quality of life and perpetuate community values. Bank of Hawaii, its employees and Bank of Hawaii Foundation provide monetary and volunteer support to organizations dedicated to fostering culture and the arts, and making them more B A N K O F H AWA I I F A M I LY S U N D AY S , HONOLULU MUSEUM OF ART Since 2004, the bank has partnered with the Honolulu Museum of Art to sponsor a day of free art activities, entertainment and film for visitors and their ‘ohana. In 2015, more than 20,000 people (many of them children) attended Bank of Hawaii Family Sundays for hands-on learning about topics from samurai to Persian kings. Bank of Hawaii Family Sundays occur every third Sunday of the month in conjunction with a Kanani Silva, Kevin Arelliano, Cilla Arelliano, Pedro Negreiros, Patricia Oshiro, museum exhibition or art principle. Walter Villalba and Momi Akimseu volunteer at a Bankoh Family Sunday. accessible. H AWA I I B O O K & M U S I C F E S T I VA L Swap, where attendees can The annual Hawaii Book & Music Festival, presented by Bank of Hawaii trade in their gently used books. for the past 10 years, is a celebration In 2015, Bank of Hawaii provided of culture, art and literacy. Featuring approximately 4,000 books that speakers, live entertainment, music included books donated from and stories, the weekend festival is employees, Friends of the Library, free to the public. One popular and purchases from the Hawaii event is the Bank of Hawaii Book Kai Library. Susan Wong and Kelly Taniguchi help categorize the thousands of books for the Bank of Hawaii Book Swap Tent for the 10th annual Hawaii Book & Music Festival. OUR KUPUNA | 13 Caring for Our Kupuna Driven largely by baby boomers Households with one or more people 65+ National 22.9% | State 28.9% who started turning 65 in 2011, Hawaii’s elderly population is Average monthly social security benefits per recipient 65+ National $932 | State $914 expanding at a record pace. In the next 15 years, nearly a third of the state’s population will be Homeowners 65+ paying 30%+ of income for housing National 21.5% | State 18.9% over the age of 60, making kupuna care a major priority. Source: UH Center on the Family Data Center: http://www.uhfamily.hawaii.edu/cof_data/ hawaiiaging/aging_ind.aspx With a record number of people becoming seniors, the demand for senior services may soon outpace the ability to care for them, and Hawaii’s high cost of living can significantly impact those who are living on fixed incomes. Another concern as the elderly population grows, is the growing predatory environment of sophisticated scams targeting seniors. C R E AT I N G H O M E S FOR SENIORS In 2015, Bank of Hawaii Foundation contributed $50,000 to Palolo Chinese Home (PCH) to support construction of the final phase of its campus redevelopment. Scheduled for completion in the fall of 2016, the nonprofit’s Progressive Care Complex will feature a 69-bed nursing home, increasing resident capacity to 130 nursing home and care home beds. Above: Bank of Hawaii and Palolo Chinese Home (PCH) gathered for the groundbreaking ceremony. From left: Chair/President of PCH Board of Directors Roger Liu, Bank of Hawaii Foundation President Donna Tanoue, EVP and Hawaii Commercial Banking Manager and PCH Board member Dana Takushi and Chief Executive Officer of PCH Darryl Ing. At left: Bank of Hawaii continued its partnership with the City & County of Honolulu to sponsor the Senior Valentine’s Day Dance, an annual tradition at the Neil Blaisdell Exhibition Hall that attracts kupuna from clubs and communities throughout the island. Our Comm u n it y Par t n e rs Bank of Hawaii is proud to partner with nonprofit organizations dedicated to serving the public. Bank of Hawaii, together with employees, retirees and Bank of Hawaii Foundation, support the work of community partners by donating time and expertise, as well as making financial and in-kind contributions. 14 | OUR COMMUNITY Arts & Culture Aloha Festivals, State of Hawaii Ballet Hawaii, Oahu Bishop Museum, Oahu Children’s Discovery Center, Oahu Diamond Head Theatre, Oahu East-West Center Foundation, Oahu Filipino Community Center, Inc., Oahu Flaming Sword of Samoa Association Friends of Iolani Palace, Oahu Friends of the Waikiki Aquarium, Oahu Garden Club of Honolulu, Oahu Guam Museum Foundation Inc. Hana Cultural Center, Maui Hawaii Arts Alliance, State of Hawaii Hawaii Bicycling League, Oahu Hawaii Book & Music Festival, Oahu Hawaii Children’s Theatre, Kauai Hawaii Heritage Center, Oahu Hawaii Historic Foundation, Oahu Hawaii Opera Theatre, Oahu Hawaii State Junior Golf Association, State of Hawaii Hawaii Theatre Center, Oahu Hawaii United Okinawan Association, Oahu Hawaii Youth Symphony Association, Oahu Hi‘ipaka LLC, Waimea Valley, Oahu Historic Hawaii Foundation, Oahu Honolulu Festival Foundation, Oahu Honolulu Gay and Lesbian Cultural Foundation, Oahu Honolulu Museum of Art, Oahu Honolulu Theatre for Youth, State of Hawaii Honolulu Zoo Society, Oahu Honpa Hongwanji Mission of Hawaii, Oahu Hui No’eau Visual Arts Center, Maui Japanese Cultural Center of Hawaii, Oahu Kapalua Wine & Food Festival, Maui Kauai Museum Association Kauai Philippine Cultural Center Kona Historical Society, Hawaii Island Lahaina Restoration Foundation, Maui M noa Heritage Center, Oahu M noa Valley Theatre, Oahu Maui Academy of Performing Arts Maui Arts and Cultural Center Maui Historical Society Moiliili Summer Fest, Oahu Molokai Island Foundation PART NERS Nisei Veterans Legacy Center, Oahu Northern Mariana Islands Council for the Humanities Inc., Saipan Pacific Region Baseball, Inc., Oahu Pacific Tsunami Museum, Hawaii Island Pago Pago Gamefishing Tournament, American Samoa Palau Sport Fishing Association Polynesian Voyaging Society, Worldwide Wahiawa Community & Business Association, Oahu Basic Needs & Safety Net, including Human Services A Cup of Cold Water, Maui Aloha United Way, Oahu Alzheimer’s Association, State of Hawaii American Red Cross – Guam Chapter American Red Cross – Northern Mariana Islands Chapter, Saipan American Red Cross – State of Hawaii and American Samoa Assistance Dogs of Hawaii, Maui Blood Bank of Hawaii, Oahu Carole Kai Charities, State of Hawaii Catholic Charities Appeal of the Diocese of Agana, Guam Catholic Charities Hawaii, State of Hawaii Child & Family Service, State of Hawaii Children’s Alliance of Hawaii, Oahu and Kauai Consumer Credit Counseling Service of Hawaii, State of Hawaii Crime Stoppers Hilo, Hawaii Island Crime Stoppers Honolulu, Inc., Oahu Daniel Sayre Memorial Foundation, Hawaii Island Diocese of American Samoa Domestic Violence Action Center, Oahu Easter Seals Hawaii, Oahu and Kauai EPIC Ohana, Inc., State of Hawaii FACE Hawaii, Faith Action for Community Equity, State of Hawaii Family Programs Hawaii, Oahu Feed My Sheep, Inc., Maui Food Basket, Inc., Hawaii Island Friends of the Children’s Justice of Maui Full Life Hawaii, Hawaii Island GIFT Foundation of Hawaii, State of Hawaii Goodwill Industries of Hawaii, Inc., State of Hawaii Guma’ Mami, Inc., Guam Hale Kau Kau, Inc., Maui Hale Kipa, Inc., Oahu Hawaii Foodbank, Inc., Oahu Hawaii Island Adult Care, Inc. Hawaii Island Humane Society Hawaii Island United Way, Inc. Hawaii Meals on Wheels, Inc., Oahu Hawaii State Coalition Against Domestic Violence, State of Hawaii Hawaiian Humane Society, Oahu Helping Hands Hawaii, Oahu Honolulu Community Action Program, Oahu Honolulu Firefighters Foundation, Oahu Honolulu Police Community Foundation, Oahu Hope House, American Samoa Hope Services Hawaii, Hawaii Island Hospice Hawaii, Oahu and Molokai Hospice Maui, Inc. Hospice of Hilo, Inc., Hawaii Island HUGS (Help, Understanding and Group Support), Oahu Imua Family Services, Maui Institute for Human Services, Oahu J. Walter Cameron Center, Maui Kamalen Karidat, Guam Karidat Social Services, Guam and Saipan Kauai Hospice Kauai Humane Society Kauai Independent Food Bank Kauai United Way Kokua Kalihi Valley, Oahu Lanai Culture & Heritage Center Lunalilo Home, Oahu Maui Crime Stoppers, Maui, Molokai and Lanai Maui Economic Opportunity, Inc. Maui Family Support Services, Inc. Maui Family YMCA Maui Farm, Inc. Maui Food Bank Maui United Way Maui Youth & Family Services, Inc. Moiliili Community Center, Oahu Palama Settlement, Oahu Palolo Chinese Home, Oahu Parents & Children Together (PACT), State of Hawaii Partners in Development, Oahu People Attentive to Children in Hawaii (PATCH), Oahu Prevent Child Abuse Hawaii, State of Hawaii Project Dana, State of Hawaii Ronald McDonald House Charities of Hawaii, Inc., Oahu Salvation Army Hawaiian & Pacific Islands Division Sanctuary Incorporated, Guam Shane Victorino Foundation, State of Hawaii Smile Train, Inc., International Special Education Center of Hawaii (SECOH), Oahu Special Olympics Hawaii, Inc., State of Hawaii Sugar Plum Tree, Guam Tanioka’s Charity Foundation, Oahu Waikiki Community Center, Inc., Oahu Women Helping Women, Maui Young Men’s Christian Association (YMCA) of Honolulu (Kaimuki-Waialae Branch, Kalihi Branch, Metropolitan Office, Nuuanu Branch, Windward Branch), Oahu Young Women’s Christian Association (YWCA), Oahu, Hawaii Island, Kauai Economic Development, Professional and Trade Organizations Aiea Community Association, Oahu American Bankers Association American Judicature Society Hawaii Chapter, Oahu American Marketing Association, Oahu American Samoa Small Business Development Center American Samoa Visitors Bureau Association of Military Banks of America Better Business Bureau of Hawaii, Inc., State of Hawaii Certified Commercial Investment Member Hawaii Chapter, State of Hawaii Chartered Financial Analyst (CFA) Hawaii Society, Oahu Council for Native Hawaiian Advancement, State of Hawaii Development Bank of American Samoa Downtown Athletic Club Hawaii, Oahu Enterprise Honolulu, Oahu Executive Women International, Oahu Financial Services Roundtable, Washington, D.C. Golden Arches Merchants Association, Oahu Guam Association of Realtors Guam Automotive Dealers Association Guam Cablevision Guam Contractors Association Guam Contractors Association Trades Academy Guam Hotel & Restaurant Association Guam U.S. Asia Security Guam Visitor Industry Association Guam Women’s Club Hawaii Agriculture and Culinary Alliance, State of Hawaii Hawaii Automobile Dealers Association, State of Hawaii Hawaii Bankers Association, Oahu Hawaii Business Roundtable, Oahu Hawaii Captive Insurance Council, Oahu Hawaii Community Foundation, State of Hawaii Hawaii Institute for Public Affairs (HIPA), State of Hawaii Hawaii Island Contractors Association Hawaii Island Economic Development Board, Inc. Hawaii Lodging & Tourism Association, State of Hawaii Hawaii State Association of Counties, State of Hawaii Hawaii State Bar Association, State of Hawaii Hawaii Tax Institute Foundation, State of Hawaii Hawaii Women’s Legal Foundation, Oahu Hilo Downtown Improvement, Hawaii Island Hilo Jaycees, Hawaii Island Honolulu Board of Realtors, Oahu Honolulu Professionals Foundation, Oahu Hotel Association of Northern Mariana Islands, Saipan Institute of Internal Auditors, Oahu Japan Club of Guam Japan-America Society of Hawaii, Oahu Japanese Community Association of Hawaii, Hawaii Island Junior League of Honolulu, Oahu Kaimuki Business & Professional Association, Oahu Kaneohe Business Group, Oahu Kapaa Business Association, Kauai Kauai County Farm Bureau Kauai Economic Development Board Kauai North Shore Lions Club Kona Japanese Civic Association, Hawaii Island Kona Lions Club, Hawaii Island Korean Association of Guam Lahaina Town Action Committee, Maui Legal Aid Society of Hawaii, State of Hawaii Lions Club of Honolulu, Oahu Lokahi Pacific, Maui Marianas Tourism Education Council, Saipan Marianas Visitors Authority, Saipan Maui Economic Development Board, Inc. Maui Economic Opportunity, Inc. Maui Hotel & Lodging Association Mililani Town Association, Oahu Mortgage Bankers Association of Hawaii, Oahu Move Oahu Forward, Oahu National Association of Industrial and Office Properties (NAIOP) Hawaii, Oahu Old Town Moiliili Business Association, Oahu Pacific and Asian Affairs Council (PAAC), State of Hawaii Pacific Century Fellows, Marianas Chapter, Saipan Palau Sports Fishing Association Patsy T. Mink Center of Business and Leadership, Oahu Retail Merchants of Hawaii, State of Hawaii Sales & Marketing Executives International, Oahu Society of Nepalese in Hawaii, Oahu Society of Professional Journalists, Hawaii Chapter, Oahu Soroptimist International of the Marianas (SIM), Guam Tri-Isle Resource Conservation & Development Council, Maui U.S.-Japan Council, Washington, D.C. Waikiki Improvement Association, Oahu West Kauai Business & Professional Association West Oahu Economic Development Association Women’s Community Action Program, American Samoa Zonta Club of Kauai Foundation Chambers of Commerce American Samoa Chamber of Commerce Chamber of Commerce of Hawaii, State of Hawaii Chinese Chamber of Commerce of Hawaii, Oahu Chinese Chamber of Commerce Guam Guam Chamber of Commerce Hawaii Chamber of Commerce of Northern California Hawaii Island Chamber of Commerce Hawaii Korean Chamber of Commerce, Oahu Honolulu Japanese Chamber of Commerce, Oahu Honolulu Japanese Junior Chamber of Commerce, Oahu Japanese Chamber of Commerce & Industry of Hawaii, Hawaii Island Kauai Chamber of Commerce Kauai Filipino Chamber of Commerce Kona-Kohala Chamber of Commerce, Hawaii Island Maui Chamber of Commerce Maui Native Hawaiian Chamber of Commerce Native Hawaiian Chamber of Commerce, Oahu Palau Chamber of Commerce Saipan Chamber of Commerce Vietnamese-American Chamber of Commerce of Hawaii, Oahu Education and Youth Academy of the Pacific, Oahu After-School All-Stars Hawaii, Oahu Agricultural Leadership Foundation of Hawaii, Hawaii Island All Pono Sports Organization, Maui American Samoa Community College American Samoa Juvenile Center Assets School, Oahu Big Brothers Big Sisters of Guam Big Brothers Big Sisters of Hawaii Island Big Brothers Big Sisters of Honolulu, Oahu Big Brothers Big Sisters of Maui Book Trust, Maui Boy Scouts of America, Aloha Council, Oahu, Guam, Saipan and American Samoa Boy Scouts of America, Maui County Council Boys & Girls Club of Big Island, Hawaii Island Boys & Girls Club of Hawaii, Oahu and Kauai Boys & Girls Club of American Samoa Brigham Young University Hawaii, Oahu, Guam, Saipan and American Samoa Carden Academy, Maui Central Union Church Preschool & Kindergarten, Oahu Chaminade University of Honolulu, Oahu Damien Memorial School, Oahu Friends of the Library of Hawaii, Oahu Girl Scouts of Hawaii, Oahu Guam Community College Guam Girl Scouts Hanahau’oli School, Oahu Hawaii Academy of Science, State of Hawaii Hawaii Council on Economic Education, State of Hawaii Hawaii Children’s Action Network, Oahu Hawaii High School Athletic Association, State of Hawaii Hawaii Literacy, Inc., Oahu Hawaii Pacific University, Oahu Hawaii Preparatory Academy, Hawaii Island Hawaii Public Charter Schools Network, State of Hawaii Hawaii Public Radio, State of Hawaii Hawaii Sports Hall of Fame, State of Hawaii Hawaii Youth Opportunities Initiative, State of Hawaii Hawaiian Mission Children’s Society, Oahu Hui Malama Learning Center, Maui Institute for Native Pacific Education and Culture (INPEACE), Oahu Iolani School, Oahu Island Pacific Academy, Oahu Island School, Kauai Junior Achievement of Guam Junior Achievement of Hawaii, Oahu, Hawaii Island, Kauai Kama’aina Kids, Oahu Kamehameha Schools, Oahu KAMP Hawaii, Oahu Keiki o Ka ‘Aina Preschools, State of Hawaii Kick Start Karate, Oahu Kihei Youth Center, Maui KIUC Charitable Foundation, Kauai Kupu, Oahu La Pietra Hawaii School for Girls, Oahu Leadership Kauai Le Jardin Academy Inc., Oahu Maryknoll School, Oahu Maui Culinary Academy Maui Preparatory Academy Maui United Soccer Club Micronesian Youth Services Network, Guam Mid-Pacific Institute, Oahu Montessori Community School, Oahu Northern Marianas College, Saipan Pacific Buddhist Academy, Oahu Pacific Financial Aid Association, State of Hawaii Pacific Island Center for Educational Development, American Samoa Pa‘ia Youth & Cultural Center, Maui Palau Community College Parker School, Hawaii Island PBS Hawaii, State of Hawaii Public Schools of Hawaii Foundation, Oahu Punahou School, Oahu Rainbows for Children, Guam Queen Liliuokalani Trust, State of Hawaii Sacred Hearts Academy, Oahu Saint Louis School, Oahu Seabury Hall, Maui St. Andrew’s Schools, Oahu Star of the Sea, Oahu Surfrider Spirit Sessions, Oahu Teach for America – Hawaii, State of Hawaii University of Guam University of Guam Foundation American Samoa Public and Private Schools Leone High School Pacific Horizons School South Pacific Academy Guam Public and Private Schools Agana Heights Elementary Agueda Johnston Middle School Astumbo Middle School Benavente Middle School Captain Henry B. Price Elementary D.L. Perez Elementary School George Washington High School Harvest Christian Academy Inarajan Elementary School Japanese School of Guam J.Q. San Miguel Elementary Machananao Elemenary M.U. Lujan Elementary Okkodo High School Palau Public Schools Palau High School Saipan Public and Private Schools Garapan Elementary School Kagman Elementary School Kagman High School Koblerville Elementary School Marianas High School Oleai Elementary School San Vincente Elementary School William S. Reyes Elementary School State of Hawaii, Dept. of Education Public and Charter Schools Aiea High School, Oahu Baldwin High School, Maui Chiefess Kamakahelei Middle School, Kauai Farrington High School, Oahu Halau Ku Mana Public Charter School, Oahu Hilo High School, Hawaii Island Hilo Union School, Hawaii Island Honowai Elementary School, Oahu Jarrett Middle School, Oahu Ka’ala Elementary School, Oahu Kahala Elementary School, Oahu Kahului Elementary School, Maui Kailua High School, Oahu Kalakaua Middle School, Oahu Kalihi Elementary School, Oahu Kalihi Waena Elementary School, Oahu Kamaile Academy, Oahu Kamehameha III Elementary School, Maui Kapa’a High School, Kauai Kea au High School, Hawaii Island Kealakehe High School, Hawaii Island Keaukaha Elementary School, Hawaii Island Kekaha Elementary School, Kauai Kihei Elementary School, Maui Kilauea Elementary School, Kauai Kipapa Elementary School, Oahu King Kekaulike High School, Maui Konawaena High School, Hawaii Island Kualapu‘u Elementary School, Molokai Lahainaluna High School, Maui Lihikai Elementary School, Maui Lincoln Elementary School, Oahu Maui High School Maui Waena Intermediate School Molokai High School Pahoa High School, Hawaii Island Pearl Harbor Elementary School, Oahu Princess Victoria Kai’ulani Elementary School, Oahu Queen Ka’ahumanu Elementary School, Oahu Samuel E. Kalama Intermediate School, Maui Samuel M. 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Burns School of Medicine, Oahu University of Hawaii Shidler College of Business, Oahu University of Hawaii School of Travel Industry Management, Oahu Environment/Conservation/ Sustainability Hawaii Nature Center, Oahu Hawaiian Legacy Reforestation Initiative, State of Hawaii Honolulu Botanial Gardens, Oahu Kauai County Farm Bureau Kohala Center, Inc., Hawaii Island Lyon Arboretum Association, Oahu M lama Maunalua, Oahu Maui Farm Bureau Nature Conservancy of Hawaii, State of Hawaii Pacific Whale Foundation, Maui Paepae o He‘eia, Oahu Palau Conservation Society Palau International Coral Reef Papahana Kuaola, Oahu Totally Against Graffiti, Oahu Waianae Community Re-Development Corp. dba Mao Organic Farms, Oahu Health American Cancer Society Guam American Cancer Society Hawaii, State of Hawaii American Diabetes Association, State of Hawaii American Heart Association, Inc., Oahu, Maui and Hawaii Island Arthritis Foundation, Hawaii, State of Hawaii Bay Clinic, Inc., Hawaii Island Epilepsy Foundation of Hawaii, State of Hawaii Guam Memorial Hospital Volunteers Association Habilitat, Oahu Hale Makua Health Services, Maui Hawaii Autism Foundation, State of Hawaii Hawaii Children’s Cancer Foundation, State of Hawaii Hawaii Island AIDS Foundation Hawaii Pacific Health, Kapiolani Medical Center for Women & Children, Pali Momi Medical Center, Straub Medical Center, Wilcox Health, Wilcox Hospital Foundation, State of Hawaii Hoola Lahui, Kauai Juvenile Diabetes Research Foundation, Oahu Kuakini Health System, Kuakini Medical Center, Kuakini Foundation, Oahu Lanai Community Health Center Make-A-Wish Hawaii, State of Hawaii Make-A-Wish Foundation of Guam Malama I Ke Ola Health Center, Maui March of Dimes, State of Hawaii Maui Memorial Medical Center, Maui Memorial Medical Center Foundation Mental Health America of Hawaii, Oahu Pacific Cancer Foundation, Maui Planned Parenthood of Hawaii, State of Hawaii Queen’s Health Systems, Queen’s Medical Center, Oahu Sex Abuse Treatment Center, Oahu St. Francis Healthcare Foundation of Hawaii, Oahu Susan G. Komen Breast Cancer Foundation, Hawaii, State of Hawaii Waikiki Health, Oahu Waimanalo Health Center, Oahu West Hawaii Community Health Center, Hawaii Island Housing EAH Housing Inc., State of Hawaii Family Promise of Hawaii, Oahu Habitat for Humanity of Guam Habitat for Humanity International, Oahu Habitat for Humanity Maui Habitat for Humanity West Hawaii Hale Mahaolu, Inc., Maui Hawaii Community Reinvestment Corporation, Oahu Hawaii HomeOwnership Center, Oahu Hawaiian Community Assets, Oahu, Hawaii Island Housing Solutions, Inc., Oahu Ka Hale A Ke Ola Homeless Resource Centers, Inc., Maui Kauai Habitat for Humanity Urban Land Institute (ULI) Hawaii, State of Hawaii Military Armed Forces Financial Network, Florida Andersen Air Force Base Civilian Advisory Council, Guam Center for American Values, Oahu Coast Guard Foundation, State of Hawaii Hawaii Army Museum Society, Oahu Honolulu Council of the U.S. Navy League, Oahu Joint Base Pearl Harbor-Hickam, Oahu Marine Corps Community Services Hawaii, Oahu Military Intelligence Service, Oahu Navy League of the United States - Guam Council Navy Seal Foundation, Oahu Pacific Aviation Museum Pearl Harbor, Oahu U.S.S. Missouri Memorial Association, Oahu USO (United Services Organizations), State of Hawaii and Guam Bank of Hawaii is proud of its tradition of community support. Through grants, sponsorships, fundraising activities and important partnerships with nonprofit organizations, the bank is committed to improving the quality of life, health and well-being of the people throughout the communities it serves in Hawaii, the West Pacific and American Samoa. Additional support comes from the direct involvement of Bank of Hawaii employees, who actively volunteer for community service projects and serve on the boards of nonprofits and community groups. boh.com Member FDIC © 2015 Bank of Hawaii