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Finance Factors Continues Ease and Convenience for Customers

In keeping with company plans to enhance the customer experience, Finance Factors continues to make financial transactions as easy and convenient as possible.

Getting a mortgage loan to purchase, refinance or tap into your home's equity is as easy as E-Z Express, our state-of-the-art online mortgage loan application. E-Z Express, available at www.financefactors.com, is fully integrated with the latest automated underwriting technology. Similar to popular online tax preparation services, E-Z Express is a dynamic application that adjusts based on your specific situation and the type of loan for which you are applying. Its "smart" technology only asks for pertinent information and provides helpful and relevant information at your fingertips. For most applicants, an online approval is just minutes away.

Even if you're not ready to apply for a loan, you'll want to access www.financefactors.com for its great financial tools and to start considering the options available for your unique loan needs. Visitors to our Finance Factors website can get rate quotes, learn more about mortgage loans from our online resources (including a complete glossary of financial terminology), and sign up for Rate Watch to be notified via email when a target mortgage rate is available.

Another valuable website feature is our handy self-help calculators that are designed to help you select the type of mortgage that's best for you. Find the answers to "How much would my monthly payment be?", "How much can I save with a 15-year mortgage?", "Can I save money by refinancing now?", and many other questions using this website feature. And of course, loan officers are always available to answer any questions you might have.

With nine Oahu branches, four on the neighbor islands, and a branch in Guam, Finance Factors continues to expand its branch network into new market areas. Our Liliha Branch, located at the corner of Liliha and Kuakini Streets, and our Manoa Branch in the Finance Factors Manoa Center on East Manoa Road, each offers location convenience and branch-front parking. Larger than our typical branches, the newer Liliha and Manoa Branches feature plasma screen televisions, coffee and lounge areas, and safe deposit boxes. Because our safe deposit boxes feature the latest in biometric PassVault™ hand recognition technology, you may access your safe deposit box in private and without the assistance of branch personnel.

Finance Factors has been providing financial services in Hawaii for 60 years. Started in 1952 by several island families, the company has grown from a small local enterprise that pioneered personal loans for Hawaii's working class, into Hawaii's largest locally-owned depository financial services loan company. Finance Factors specializes in residential loans for purchase, refinance, cash-out, and home equity, as well as land, construction and commercial real estate loans. Finance Factors also offers some of the best rates on certificates of deposit and savings accounts, with deposits insured by the FDIC.

True to our mission, Finance Factors will continue to strive to maintain our success by focusing on the needs of our customers. As always, please email us or call us on Oahu at 522-200 or toll-free at 1-800-648-7136 with your questions and comments.

With warmest regards,

For more information about Finance Factors, we invite you to view our Statement of Financial Condition as of December 31, 2010.