Ka Wai Ola - Office of Hawaiian Affairs, Volume 27, Number 5, 1 May 2010 — Page 13 Advertisements Column 2 [ADVERTISEMENT]

THE 0FFICE 0F HAWAIIAN AFFAIRS C0NSUMER MICR0 LOAN PR0GRAM The OHA CMLP is designed to provide low cost loans to Native Hawaiians who are experiencing temporary financial 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.

Examples of Allowable and Unallowable Loan Purposes Allowable Loan Purposes: - Death in thefamily - 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

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)

For more information or a downloadable application, please visit www.oha.org/ cmlporcal 1,(808) 594-1752 or email quentinf@oha.org.

®HA Empowering Hawaiians, Strengthening Hawai'i oha.org

711 Kapi'olani Blvd. Suite 500 • Honolulu, Hawai'i 96813 • 808.594.1835