Ka Wai Ola - Office of Hawaiian Affairs, Volume 31, Number 3, 1 March 2014 — Page 11 Advertisements Column 1 [ADVERTISEMENT]

ĪHE 0FFICE 0F HAWAIIAN AFFAIRS C0NSUMER MICRŪ L0AN PR0GRAM

The OHA CMLP is designed to provide low cost loans to Native Hawaiians who are experiencing temporaryfinancial hardship as a result of unforeseen events, orwho wish to enhanee their careers. Loans are available up to $7,500 at a fixed interest rate of 5.0% with a maximum repayment term of 5 years or 60 months.

To be eligible for a Consumer Micro Loan, you must meet the following criteria: • Applicant must be of native Hawaiian Ancestry • Applicant must be at least 18 yrs of age and a resident of the State of Hawai'i • Applicant's credit history should be satisfactory • Applicant must have the ability to repay the loan • Loans must be forthe primary applicants benefit • Loans are available to individuals, only (partnerships, corporations, sole proprietorships, etc., are excluded)

Examples of Allowahle anel Unallowahle Loan Purposes Allowahle Loan Purposes: - Death in thefamily - Emergency health situation - Unexpected home repairs - Unexpected auto repairs - Career development courses -Apprenticeship programs - CDL license Unallowahle Loan Purposes: - Debt consolidation - Refinancing -Vacation - Investment - Re-lending by borrower

For more information or a downloadableapplication, pleasevisit www.oha.org/cmlp or eall, (808) 594-1823 or email lareinam@oha.org

- nome remoaenng/improvemeni - Past due utilities or rent Empowering Hawaiians, Strengthening Hawai'i oha.org

560 N. Nimitz Hwy., Suite 200 ♦ Honolulu, Hawai'i 96817 ♦ 808.594.1835