Ka Wai Ola - Office of Hawaiian Affairs, Volume 29, Number 7, 1 July 2012 — Page 2 Advertisements Column 1 [ADVERTISEMENT]

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

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

learn more. Visitfhb.com, eall 643-LOAN or visit amj branch.

First Hawaiian Bank

Seivice. Solutions. Security. Yes, We Care. fhb.com LENDER Member FDIC

All applicants must beof Native Hawaiian ancestry, whether applying as an individual 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. If approved, 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 $136.68. Subject to credit approval and eligibility. Certain restrictions and conditions apply.