Ka Wai Ola - Office of Hawaiian Affairs, Volume 27, Number 6, 1 June 2010 — Page 31 Advertisements Column 1 [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 experiencingtemporaryfinancial hardship as a resultof unforeseen events, or who need s m a 1 1 amou nts of funding to enhanee their careers. Loans are availableupto $7,500 at a flat interest rate of 5.0% with a maximum repayment term of 5 years or 60 months.

Examples of Allowahle and Unallowahle Loan Purposes Allowahle 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 I A application, please visit www.oha.org/ v\. emlp or eall, (808) 594-1752 Empowering Hawaiians, Strengthening Hawai'i I or email quentinf@oha.org. oha.org I 711 Kapi'olani Blvd. Suite 500 • Honolulu, Hawai'i 96813 • 808.594.1835

Call Us, We Can ~ Help Prevent Foreclosure! (808) 587-7886 or īoll Free (866) 824-0448 S\yj GET FREE HELP WIĪH: S*\c HAWAHAN • Loan modifications COMMUNITY • Work out plans Acccr|'C • Reducing payments • Lowering interest rates ■■H 'M? & eNIU-kliHwkiH^" FiM fnrrJte» «wiin»n