Ka Wai Ola - Office of Hawaiian Affairs, Volume 26, Number 10, 1 October 2009 — Page 8 Advertisements Column 2 [ADVERTISEMENT]

C0NSUMER MICR0 LOAN PR0GRAM The OHA CMLP is designed to provide low cost loans to Native Hawaiians who are experiencing temporary īinaneial hardship as a result of unforeseen events, or who need small amounts of funding to enhanee their careers. Loans are available up to $7,500 at a flat interest rate of 5.0% with a maximum repayment term of 5 years or 60 months. To be eligible for a Consumer Micro Loan, you must meet the following criteria: • Applicant must be of native Hawaiian Ancestry • Applicant must be at least 18 yrs of age and a resident of the State of Hawai'i • Applicant's credit history should be satisfactory • Applicant must have the ability to repay the loan • Loans must be for the primary applicants benefit • Loans are available to individuals, only (partnerships, corporations, sole proprietorships, etc., are excluded) Examples of Allowahle and Unallowahle Loan Purposes:

Allowahle Loan Purposes: - Death in the family - Emergency health situation - Unexpected home repairs - Unexpected auto repairs - Career development courses - Apprenticeship programs - CDL license

Unallowahle Loan Purposes: - Debt consolidation - Refinancing - Vacation - Investment - Re-lending by borrower - Home remodeling/lmprovement

For more information or a downloadable application, pleasevisitwww.oha.org/cmlp Contact the Eeonomie Development Hale at (808) 594-1829, or email quentinf@oha.org. Empowering Hawaiians, Strengthening Hawai'i oha.org