Ka Wai Ola - Office of Hawaiian Affairs, Volume 20, Number 11, 1 Nowemapa 2003 — Unnumbered Page Advertisements Column 1 [ADVERTISEMENT]

^ē - ijj^^^^r_—_^^^^Lit h ^®^Ē-fi^"- ~je-_; J k ir We have lines of credit for everything from the practical to the practically ridiculous. At Bank of Hawaii, we have lines of credit for _ r\ f\0/ t0 qua''^y' anc* Lt comes wit^ one °f ^e state's just about anythingyou ean think of. From the JL *j7j7 ap9 highest credit lines. Best of all, both credit for first 6 months* sensible to the sensational. Whether you own a r r\0/ nes come witn an introductory AFR tor the home or not, we have lines of credit at some of Ji JUapr first six months that will have you imagining FULLY INDEXED VARIABLE RATE» the lowest rates in town. Our Bankoh Home all kinds of possibilities - just 2.99%. So Thcit's ttlj EquityLine allows you to borrow whether you need money for something — . more of the equity in your serious or just some serious fun, apply for V ' ' ' home than most other loeal 0 0 0 % y°Lir line of credit today at a Bank of Hawaii , »J7 J7 apr banks. And with our forfirst6 months»» branch near you. jLiy ■■ Personal FlexLine , - t . you don't need a home mSBM iS1 Bank of Hawaii ^ boh.com Member FDIC *The Bankoh Home EquityLine introductory Annual Percentage Rate (APR) of 2.99% is good for six months. 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. The current non-introductory fully indexed variable APR as of 1 0/1/2003 is 4.50% or 5.50%. 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 phneipal 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 assessed on eaeh anniversary of account opening. To open the EquityLine, you will be required to pay a documentation fee of $1 00. Payment to third parties of certain fees, whieh generally total between $200.00 and $1 ,300.00, may be required at closing. Verification of flood insurance may be required. The property that will secure your Bankoh Home EquityLine cannot have an existing second mortgage and must be located in the State of Hawaii. You must also maintain insurance on the property that secures the EquityLine. **The Personal FlexLine introductory Annual Percentage Rate (APR) of 2.99% is good for six months. After the six-month introductory period, the APR will be equal to the Prime Rate plus a margin, depending upon credit rating. The Prime Rate is published daily in The Wall Street Journal. The current TSJ non-introductoryfullyindexedvariable APR asof 10/1/2003 rangefrom 6.0% to 13.0%. The APR may varyatanytime.The annual fee of $50 is assessed on eaeh anniversary of account opening. A processing fee of $50 will be assessed when your FlexLine is established. © 2003 Bank of Hawaii. lend!r

APPROVED TO PRINT e 1 i e n t : 1 e g a 1 : art director: copy writer: a e e t m g m t : p r i n t p r o d :

client: Bank of Hawaii H»^a job #: BH-435 ES9 publication: KAI WAI OLA O OHA e a m p a i g n : Consumer Lending element: Pull Page Ad HS^I h e a d 1 i n e : Pradically Ridiculous MhA launeh: 11/1/03 trim: 10" x 16" mSM bleed: none e o 1 o r : B/W material: digital + proof today's date: 10/15/03