Ka Wai Ola - Office of Hawaiian Affairs, Volume 29, Number 9, 1 September 2012 — Page 2 Advertisements Column 1 [ADVERTISEMENT]

[?]

[?]

®HA office of Hawaiian affairs

MALAMA LOAN 4.00% Annual Percentage Rate

- Fixed for 7 Years - Loans up to $100,000 - Quick and Easy Application

With the OHAMālama Loan, you ean start or improveyour business, make home improvements, or fulflll educational or vocational needs for you and your children. It is exclusively for Native Hawaiians and is administered by Hawaii's oldest and largest bank. * * *

"Establishing a medical practice takes time. And patience. Whether you're talking about equipment, salaries, or rent, the up-frontcosts ean be staggering. So in 2009, when I started practicing family medicine in Hilo, a Mālama Loan provided the working capital. And FirstHawaiian Bank was there to help, every step ofthe way. " — Dr. J. Nohea Kaawaloa, MD FAMILY PRACTICE , HILO

KAHUA WAIWAI (FOUNDATION FOR WEALTH) In order to have choices and a sustainable future, Native Hawaiians must progress toward greater economic self-sufficiency.

learnmore. Visitfhb.com, eall 643-LOAN or visit amj branch. FirSt Hawaiian Rank Seivice. Solutions. Security. Yes, We Care. 1=t fhb.com LENDER Member FDIC

All applicants must be of Native Hawaiian ancestry, whether applying individually or collectively, as a group of people organized for eeonomie development purposes. Partnerships, LLCs and corporations that apply must also be 100% Native Hawaiian owned. Borrowers may be required tocomplete a credit counseling class before receiving the loan. The loan is only available with a 7-year term, butyou may have the option of amortizing the loan over 14 years. For example, for a fully amortized 7-year loan of $10,000 at 4.00% APR, you will have 84 monthly principal and interest payments of $136.69. For a 7-year loan of $10,000 at 4.00% APR amortized over 14 years, you will have 83 monthly principal and interest payments of $77.83 and a halloon payment of $5,772.62 due at theend of the 7 year term. Subject tocredit approval and eligibility. Certain restrictions and conditions apply.