Insider Activities Policy

Hawaii National Bancshares, Inc. (the "Company") and Hawaii National Bank (the "Bank") are institutions of public trust. The Company and the Bank have a responsibility to conduct their business by the highest ethical standards and to prevent abuses that can raise safety and soundness concerns. These guidelines have been developed to enable insiders of these institutions to avoid both the existence and appearance of conflicts of interest and breaches of fiduciary responsibility. For the purposes of this policy, the term "insider" refers to executive officers, directors, principal shareholders (more than 10%), and their related interests as defined in Regulation O, 12 CFR 215.
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