Ka Wai Ola - Office of Hawaiian Affairs, Volume 22, Number 4, 1 April 2005 — Page 10 Advertisements Column 1 [ADVERTISEMENT]

Apply for a Line of Credit today and you could WIN a

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Want to star in your very own I home makeover with TV celebrity Vern Yip? Then simply apply for a Bankoh Home EquityLine or Personal FlexLine. You'll be

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to borrow more of the equity in your home than most other loeal banks. And our Personal FlexLine lets you borrow money without having to own a home.

3.99* FOR FIRST 6 MONTHS*

5.50$- 6.50% CURRENT FULLY INDEXED VARIABLE RATE*

automatically entered to win the home makeover of a lifetime: a $10,000 home improvement shopping spree and the expert advice of celebrity designer Vern Yip.

3.99% F0R FIRST 6 M0NTHS**

■ And both have some of the lowest rates in town! To enter, simply decorate an application with your signature at any Bank of Hawaii branch today.

„ , ^ And even if you don t win the my f%- 7 ■ . sweepstakes, you'll still eome out a winner. i | Because our Home EquityLine allows you

jh Bankof Hawaii

NO PURCHASE, LOAN APPLIOAĪION, 0R BANK TRANSACTION NECESSARY T0 ENTER 0R WIN. OPEN 0NLY T0 LEGAL U.S. RESIDENTS WHO ARE RESIDING IN THE STATE 0F HAWAII AND ARE 18 YEARS 0F AGE 0R 0LDER. TW0 WAYS T0 ENTER: 1) You will be automatically entered when you complete an application for any Bankoh Personal FlexLine or Bankoh Home EquityLine product and it is received by Bank of Hawaii between February 3, 2005 and April 17, 2005, 0R 2) on a 3"x5" card handwrite your name, address, (no P.O. Boxes), daytime telephone number (area code included) and date of birth and mail it to Bank of Hawaii - Home Makeover Sweepstakes, P.O Box 1 705, Golden, C0, 80402. Mail in entries must be postmarked by 4/1 7/05 and received by 4/21/05. Limit two entries per person. reoardless of method of entrv. Void wheie prohibited. 0dds of winning a prize depend upon the number of eligible entries received. Sweepstakes ends 4/17/05. See any participating Bank of Hawaii branch or boh.com for full 0fficial Rules and details. *The Bankoh Home EquityLine introductory Annual Percentage Rate (APR) of 3.99% will be effective for the first six months for new Home EquityLine applications received between February 28, 2005 - April 17, 2005. After the six-month introductory period, the APR will be equal to the Prime Rate, published daily in The Wall Street Journal, plus a margin and may vary at any time. Your margin will be determined by your credit history. The current non-introductory fully indexed variable APR as of February 3, 2005 for lines secured by owner-occupied fee simple properties is 5.50% or 6.50%. 0ther fully indexed APOh are available for lines secured by leasehold, second home and investor properties. The APR may vary at any time. The maximum APR that ean apply is 24%. Your minimum monthly payments may not be sufficient to fully repay the principal that is outstanding on your line. If they are not, you will be required to pay the entire outstanding balance in a single payment at the end of your draw period. The annual fee of $50 is waived for the first year. To open the EquityLine, you will be required to pay a documentation fee of $125. Payment to third parties of certain fees, whieh generally total between $200.00 and $1 ,300.00, may be required at closing. If your property is held in trust, you may be required to pay us a trust review fee of $75. If your properly is leasehold, you must pay us a lease review fee of $60. If we need to obtain current condominium documents, you must pay us a condominium document fee of $60. Verification of flood insurance may be required. Bankoh Home EquityLines are available only as a first or second lien. Any existing junior liens will be paid off with this new loan. Property that will secure your Bankoh Home EquityLine must be located in the State of Hawaii. You must also maintain fire and hurricane insurance on the property that secures the EquityLine. **The Personal FlexLine introductory Annual Percentage Rate (APR) of 3.99% is good for six months for new applications received between February 28, 2005 - Apnl 1 7, 2005. After the six-month introductory period, the APR will be equal to the Prime Rate plus a margin, depending upon credit history. The Prime Rate is published daily in The Wall Street Journal. The current non-introductory fully indexed variable APR as of February 3, 2005 range from 7.50% to 13.50%. The APR may vary at any time. The annual fee of $50 is waived for the first 1=t year. A processing fee of $50 will be assessed when your FlexLine is established. The introductory rate does not apply to existing Home Equity and Personal FlexLine accounts. ©2005 Bank of Hawaii boh.com Member FDIC tr»piR