Ka Wai Ola - Office of Hawaiian Affairs, Volume 27, Number 1, 1 Ianuali 2010 — Page 2 Advertisements Column 1 [ADVERTISEMENT]

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Creating opportunities for a better tomorrow. Cultivating a better community. The OHA Mālama Loan Program through First Hawaiian Bank is exclusively for Native Hawaiians and Native Hawaiian organizations and may he used for educational purposes; home improvement and a variety of your business needs. Apply today and earn up to 5;000 CashPointsSM when you also apply and are approved for Priority RewardsSM Debit and Credit MasterCard®. For more information or to apply; eall 643-LOAN or visit any branch or fhb.com.

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Applicants must be of Native Hawaiian ancestry (birth certificate, ŪHA registry card, or Kamehameha Schools verification letter will be accepted as proof) or a Native Hawaiian organization. If the applicant is a group of people organized for eeonomie development purposes, applicant ownership must be 100% Native Hawaiian. Borrowers may be required to complete a credit counseling class before receiving the loan. Based upon a loan amount of $10,000 at 5.00% APR, the payment would be $188.71 per month based on a fully amortized loan for 5 years. Subject to credit approval and eligibility. Certain restrictions and conditions apply. * 5,000 CashPoints is a total of 2,500 points upon approval of Priority Rewards Debit Card and 2,500 points upon approval of Priority Rewards Credit Card. Allow 30-45 days from the date of purchase to receive your bonus points. ūffer is open to personal accounts only and is subject to credit approval. CashPoints have no cash value except as described in the Priority Rewards Program Agreement. First Hawaiian Bank reserves the right to eaneel the program at any time.