Ka Wai Ola - Office of Hawaiian Affairs, Volume 28, Number 12, 1 December 2011 — Page 2 Advertisements Column 1 [ADVERTISEMENT]

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®HA Officeof hawaiian Affairs

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" Legacy ViIIa, our adult care home, is builton our koifarm. My goal was to integrate the two so the residents would haue a lot to look at. Our frst Mālama Loan enabled us to startNikkei Koi, and we used the second loan to buy equipmentfor the care home. I wanted the residents to haue a more intimate leuel of care, and theMālama Loan made that possible. " — Gary Hii'onaka, Ownei' NIKKEI KOI & LEGACY VILLA

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First Hawaiian Bank

All applicants must be of Native Hawaiian ancestry, whether applying individually or collectively, as a group of people organized for eeonomie development purposes. Partnerships, LLC's and Corporations that apply must also be 100% Native Hawaiian owned. Borrowers may be required to complete a credit counseling 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.