Ka Wai Ola - Office of Hawaiian Affairs, Volume 31, Number 2, 1 February 2014 — Page 2 Advertisements Column 1 [ADVERTISEMENT]

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For assistance, go to oha.org or eall the OHA Mālama Loan Programat (808) 594-1924.

A MĀLAMA LOAN CAN HELP

With the OHA Mālama Loan, you ean start or improveyour business, make home improvements, fulfill educational orvocational needsforyou andyourchildren, and consolidation your debt. It is exclusively for Native Hawaiians who are residents of the State of Hawai'i and is administered by First Hawaiian Bank

$ ūuiek Facts: • Loan purposes include: Business, Home lmprovement, Education, and Debt Consolidation (limited funds) • lnterest is fixed at 6.25% • Maximum loan amount is below $20,000 • Amortizedupto7years Empowering Hawaiians, Strengthening Hawai'i oha.org 560 N. Nimitz Hwy., Suite 200 ♦ Honolulu, Hawai'i 96817 ♦ 808.594.1835

What You Need To Apply: • ID demonstrating Hawai'i residency • Proof of Native Hawaiian ancestry • Completed applieahon • 2 years of personal/business taxes if requesting $10,000 or more • Verification and breakdown of the use of funds is a requirement • Draft business plan is required for startup business loans Where To Apply: • Any First Hawaiian Bank branch