Ka Wai Ola - Office of Hawaiian Affairs, Volume 28, Number 9, 1 September 2011 — Page 2 Advertisements Column 1 [ADVERTISEMENT]

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"I saw a need for spa professionals to be better educated about Hawaiian treatments. The Mālama Loan enabled me to turn my idea into a business. When my students graduate, they'll haue the skills and the confdence to start a business oftheir own. " — Malia Sanchez, Ownei' MAKANA ESTHETICS WELLNESS ACADEMY

Office of hawaiian affairs

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First Hawaiian Bank All applicants must beof Native Hawaiian ancestry, whether applying as an individual or collectively, as a grou p of people organized for eeonomie development purposes. Partnerships, LLC's and Corporations that apply m ust also be 100% Native Hawaiian owned. Borrowers may be required to complete a credit eou nseling class before receiving the loan. Based on 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. Subject to credit approval and eligibility. Certain restrictions and conditions apply.