KALACONVENIENCE EQUITY LINE
New HELOC with Online & Check Access!

Beginning January 1, 2010, ask us about KalaConvenience, our new Home Equity Line of Credit (HELOC) product. It offers a low 6-month introductory rate and a great index rate, adjusted quarterly:

6-Month Introductory Rate 3.50% APR

Current Index Rate 5.00% APR

With several access options that will simplify your life and a fantastically low introductory rate that will save you money, KalaConvenience can be a smart solution for you and your family.

KalaConvenience Product Highlights:

1. Check Writing - You will be able to draw on your line using a free set of checks ($1,000 minimum draw).

2. Internet Access - You will be able to view and draw on your line through our online banking system. Simply transfer the money to your checking account that can be accessed using your card or personal check.

3. Plus, enjoy a $350 closing cost discount on any new HELOC.

KalaConvenience is a great complement to KalaRewards Checking where you can earn our highest dividend rate. Call a home equity representative at 539-0391 or visit any branch.

All offers effective 01/01/2010, subject to APFCU membership ($100 savings) and may change or terminate at any time. HELOC discount does not apply to the refinancing of existing APFCU HELOCs. Real estate loans provided through CUSO of Hawaii Services, LLC, a wholly owned subsidiary of the Aloha Pacific FCU, Equal Housing Lender. HELOC has no credit union closing cost, annual fee or prepayment penalty. $350 discount on 3rd party fees ($350 - $1,200 estimated) for loans up to $250,000 (maximum). Applies to Hawaii properties with fire, hurricane and applicable flood insurance. The introductory rate is fixed for 6-months and the current rate is indexed, adjusted quarterly, based on the prime rate plus 1.00% as published in the Wall Street Journal with a 5.00% minimum & 18.00% maximum. There is a 10-year draw and 30-year amortization period. Investor property rates are available. Rates are subject to credit approval and effective 01/01/2010.