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					                                                                                                        www.kaow.org


                                           Amanda Niles, MBA
                                 Niles Home Loans at Summit Mortgage

                                   6605 SW Macadam Avenue Suite 201

                                           Portland, Oregon 97239

                                      Microsoft Approved Lender
                              NMLS# 3236 | MLO# 76919 | CA# 603A124



                                 Mortgage Programs Include

              Purchase                                                     Jumbo Loans
             Refinance                                                  Construction Loans
       FHA Financing to 96.5%                                            Commercial Loans
       USDA Financing to 100%                                        Investment/1031 Exchange
        VA Financing to 100%                                          Second Home Financing
       Conventional Financing                                            Reverse Mortgages
      Testimonial:
      "When shopping around for home refinance, I looked around lot of places to check for broker and banker
      references. Being onsite at Microsoft campus the natural instinct was to look for recommendations among
      Microsoft communities. I found a ton of references to Amanda's brokerage firm
      (http://www.nileshomeloans.com/) and decided to give a try. I have to admit I could not be happier with the
      whole refinancing process with Amanda. She walked me through the entire process and was also patient to
      meet my financial needs, timing with the current market uncertainties. Amanda is knowledgeable, profes-
      sional, courteous and diligent. Unlike others I have found her to be very prompt in responding to my calls in
      a timely manner. I know at least couple of other friends within our community whom I have referred to and
      are satisfied with the whole home mortgage / refinance process."
      Prakash Menon (VP—KAOW)


     amandan@go-summit.com                          /          503-810-4873        / www.NilesHomeLoans.com

           Low flat rate/fees for friends, members, or family of this associa-
           tion. CALL NOW and see how you can support your association’s
           charity drive



“KAW - Bringing all Malayalees in Washington together...as one extended family…”
                                                                                                           www.kaow.org                                                                                      www.kaow.org




                                             For A Pleasant & Peaceful Retired life in USA




            Kerala Gardens is a retirement community in the suburb of Atlanta, Georgia for those who crave
            for a pleasant & peaceful retired life. At Kerala Gardens you will find yourself in an active,
            stimulating environment designed to enrich the life of our residents. This community is open to all
            and the greatest benefit of Kerala Gardens is to get culturally like-minded families to live with and
            pursue life’s goals and find happiness together. The residential setting of Kerala Gardens gives resi-
            dents an environment of privacy, charm and a shared sense of common experience. This unique
            community provides services which ensure that residents live a friendly and dignified lifestyle .
                We are planning to build this community in 114 acres land with a natural lake , creeks etc.
            The proposed community is conveniently accessible to major highways, close to major hospitals,
            the Atlanta International airport, temples, churches of various denominations and shopping cen-
            ters. Residents could enjoy a gated community with 24/7 manned security, swimming pool, tennis
            courts , walking trails, club house etc. Kerala Gardens Home Owners Association will be fully
            responsible for the day to day affairs of the community including the maintenance. We are plan-
            ning to build 133 single family homes, 112 town homes and an assisted living facility &an adja-
            cent shopping center (future plans) . Every units will have its lavishly designed master bedroom on
            the ground floor with wheel chair access up to the shower and an optional front and or back porch
            for relaxing. The construction of the community has already started and we are expecting to fin-

                                            www.keralagardens.com
                                             Email: info@keralagardens.com
                                    Mr. John Titus: john.titus@aerocontrols.com

                     Dr. Thomas Alexander: 770 330 7556               Mr. George Melathe: 770 925 2646
                   Mr. Abraham Thomas: 770 237 5593                    Mr. Mathen Mathew: 678 428 2395




“KAW - Bringing all Malayalees in Washington together...as one extended family…”                                          “KAW - Bringing all Malayalees in Washington together...as one extended family…”
                                                                                   www.kaow.org                                                                                      www.kaow.org




“KAW - Bringing all Malayalees in Washington together...as one extended family…”                  “KAW - Bringing all Malayalees in Washington together...as one extended family…”
                                                                                                      www.kaow.org                                                                                      www.kaow.org


       NEW CONSTRUCTION                                 J & J Landscaping & House Cleaning Services
                                                                        (206) 240 3404
     RETAINING WALLS, FLAG                                         joseattle12@yahoo.com
     STONE & BRICK PATIOS
                                                                 SAVE TIME AND MONEY

                                                 MAINTENANCE


                                                 LAWN MOWING
                                                 EDGING / BLOWING
                                                 WEED CONTROL
                                                 GENERAL CLEAN UP
                                                 HAULING                           Discounts from 5% to 10%
                                                 AERATION                          for association members
     BRICKWAYS & DRIVEWAYS



                                                    HOUSE CLEANING
                                                    STANDARD TASKS FOR
                                                    MAINTENANCE CLEANING
                                                    COMMON LIVING AREAS
                                                    DUST MOLDINGS
                                                    BASEBOARDS
                                                    SHELVES
     ROCKERIES / BARK &
     PLANTING                                       VACUUM CARPETS

     TOP SOIL / SEED & SOD IN-
     STALLATION                                     BATHROOMS
                                                    TOILET, CLEAN SINK
                                                    COUNTER, CABINET FACE
                                                    MIRROR, SCRUB SHOWER
                                                    TUB WALL                 PESSURE WASHING
                                                                             ROOF CLEANING, DECK CLEANING
                                                    KITCHEN
                                                                             FENCE & DRIVEWAY CLEANING
                                                    CLEAN EXTE-
                                                    RIOR OF LARGE APPLI-
                                                    ANCES
     SPRINKLER SYSTEMS.                             CLEAN SINK
                                                    CABINET FACE
                                                    CLEAN FLOOR
                                                    CLEAN RANGE             SEAL COATING, AND PAVING services
                                                    TOP                     SEAL COATING, CRACKS FILLING


“KAW - Bringing all Malayalees in Washington together...as one extended family…”                                     “KAW - Bringing all Malayalees in Washington together...as one extended family…”
                                                                                                       www.kaow.org                                                                                      www.kaow.org




                         LOWEST DISCOUNTED FARES
            To India, Pakistan, Middle East, Africa, Europe & Many More

         CALL:            425-614-2520 / 206-652-2500
         FAX:             425-614-2519




                                                                                      TRAVEL NET
                                                                               14625 NE 24th Street. Suite 4A.
                                                                                     Bellevue. WA 98007

         Exclusive Rates for Travel & Cruise Packages Anywhere around the world

“KAW - Bringing all Malayalees in Washington together...as one extended family…”                                      “KAW - Bringing all Malayalees in Washington together...as one extended family…”
                                                                                   www.kaow.org                                                                                                                  www.kaow.org



                                                                                                                                                                                                   $5 OFF
                                                                                                                                                                                           Any Bill of $25 or More
                                                                                                                                                                                            Dine In or Take Out. Buffet Ex-
                                                                                                                                                                                                        cluded
                                                                                                                                                                                             Not valid with any other offer.

                                                                                                                                                                                                   20% OFF
                                                                                                                                                                                                   Entire Bill
                                                                                                                                                                                            Dine In or Take Out. Buffet Ex-
                                                                                                                                                                                                        cluded
                                                                                                                                                                                             Not valid with any other offer.
                                                                                                                                                                                            With coupon. Expires 10/1/2010

                                                                                                                                                                                               FREE Dinner
                                                                                                                                                                                                 Buy One Dinner at the
                                                                                                                                                                                                  Regular Price and get
                                                                                                                                                                                               a Second Dinner of Equal
                                                                                                                                                                                                 or Lesser Value FREE
                                                                                                                                                                                            Dine In Only. Up To $8.95 Value.
                                                                                                                                                                                                    Buffet Excluded
                                                                                                                                                                                             Not valid with any other offer.
                                                                                                                                                                                            With coupon. Expires 10/1/2010




                                                                                                                           LOWEST DISCOUNTED FARES
                                                                                                              To India, Pakistan, Middle East, Africa, Europe & Many More

                                                                                                           CALL:            425-614-2520 / 206-652-2500
                                                                                                           FAX:             425-614-2519




                                                                                                                                                                                        TRAVEL NET
                                                                                                                                                                                 14625 NE 24th Street. Suite 4A.
                                                                                                                                                                                       Bellevue. WA 98007

                                                                                                           Exclusive Rates for Travel & Cruise Packages Anywhere around the world

“KAW - Bringing all Malayalees in Washington together...as one extended family…”                  “KAW - Bringing all Malayalees in Washington together...as one extended family…”
                                                                                                      www.kaow.org                                                                                      www.kaow.org




                                 JD’S MARKET
                         FRUITS &                               V E G E TA B L E S
                 INDIAN● MEXICAN● ASIAN GROCERIES
                       4419 200 Street S.W. Lynnwood, WA. Ph : (425) 672-3497
                                 Visit JD’s Market for
                                                                                   Open 7 Days a Week From 10
          Asian Grocery, Fresh Vegetables and Fruits, Fish and                            AM — 10 PM
             HALAL meat (Chicken, Lamb, Goat and Beef)
            Bring this advertisement for a 1 time discount of 10% above $50 pur-




“KAW - Bringing all Malayalees in Washington together...as one extended family…”                                     “KAW - Bringing all Malayalees in Washington together...as one extended family…”
                                                                                   www.kaow.org                                                                                      www.kaow.org




“KAW - Bringing all Malayalees in Washington together...as one extended family…”                  “KAW - Bringing all Malayalees in Washington together...as one extended family…”

				
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