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customer service. I just turned 33 years old and do not see myself doing anything other <br />than residential mortgage banking. By the time I am ready to retire, over 30 years from <br />now, who knows what the neighborhood will look like. But until that happens, I have <br />every intention of using this property to house a mortgage company to continue to offer <br />affordable, creative and comfortable financing specifically tailored for the unique Big <br />Island real estate market. I am not a big-time real estate developer or, even worse, a <br />greedy mainland investor motivated by profit and increasing net worth with no concern <br />for the local community. I moved to Hawai€i from Portland, Oregon and was drawn to <br />the quality of life here, so much so that it was easy to convince my parents to relocate <br />with me. I have a history of supporting local community. I am an active affiliate <br />member of the Hawaii Island Board of Realtors and my involvement and support of that <br />organization resulted in the honor of being named the 2004 Affiliate of the Year. <br />Recently I made a substantial financial contribution to the Lehua Jaycess to help fund one <br />of the best fourth of July fireworks displays in Hilo in years. As a member of the Lehua <br />Jaycees,Iwillbeparticipatinginthe2006FireworksCommitteetomakenextyeareven <br />better. Finally, I previously spent 7 years volunteering on an average of over 100 hours <br />per month with an at-risk youth program as a mentor and a manager. Hopefully you now <br />have a little bit more information about me, including my motivations for this Change of <br />Zone application and rest easier. Most importantly, I hope that you can clearly see that of <br />all of the possible commercial uses for this property, my business is one that most <br />amicably can co-exist within a residential area. My current location is, as well as my <br />previous location on Manono Street was, immediately adjacent to residences. I have and <br />had good relationships with all of these neighbors. I could understand and respect <br />objections to other types of businesses that would truly have a negative impact to the <br />neighborhood, but I am not running anything that is detrimental to the environment, such <br />as a noisy or pollutant generating manufacturer or automotive repair shop. I am not <br />requesting to operate a business that generates high levels of traffic such as a restaurant <br />or convenience store. The reality is that a mortgage company with 7 employees and 2-3 <br />clients per day would be, in my opinion, one of the most compatible in a residential <br />neighborhood location. <br />These comments segue perfectly into addressing the concerns of traffic. I have spent <br />some time observing traffic patterns and levels during the peak hours. I dont see that <br />there is much validity to the objections of this use due to negative impacts or hindrance to <br />traffic flow on Manono Street. The majority of my employees arrive at 8:00 a.m. and <br />work through 4:30 p.m., Monday through Friday. The majority of my employees live in <br />the Puna District. In the morning hours, they will be making a left-turn into the parking <br />lot. The bulk of the morning traffic is in the direction of Hilo, so a left-hand turn here <br />would be made with ease. In the afternoons, as they depart to go home most employees <br />will be making a right-hand turn onto Manono Street. For those that live either in Hilo or <br />Hamakua direction, if a left-turn in the afternoons proves to be a challenge, the property <br />is conveniently located close to Lanikaula so a right-turn could easily be made in that <br />direction and circle around to Lanikaula then back in a northerly direction from there. <br />The location of this property makes the chance of impeding traffic flow minimal to nil. If <br />the property were closer to the Lanikaula intersection, further from that intersection or <br />located on the other side of the street, the chances of impeding traffic would be much <br />4EXHIBIT A <br /> <br />