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<!-- InstanceEndRepeatEntry --><!-- InstanceEndRepeat --></td> </tr> <tr> <td align="right" valign="top" width="213"><img src="imgs/ksg_logo_header2b.gif" height="36" width="213"></td> <td bgcolor="#ffffff" valign="top">&nbsp;<a href="index.htm"><font color="#0000ff" face="Arial" size="2">GATEWAY</font></a><font face="Arial" size="2"> | </font><a href="blue_theFirm.htm"><font color="#0000ff" face="Arial" size="2">THE FIRM</font></a><font face="Arial" size="2"> | </font><a href="blue_prac_practice_areas.htm"><font color="#0000ff" face="Arial" size="2">THE PRACTICE</font></a><font face="Arial" size="2"> | </font><a href="blue_atty_partners_and_associates.htm"><font color="#0000ff" face="Arial" size="2">THE ATTORNEYS</font></a><font face="Arial" size="2"> | </font><a href="blue_clients.htm"><font color="#0000ff" face="Arial" size="2">OUR CLIENTS</font></a><font face="Arial" size="2">&nbsp;| </font><a href="blue_profiles.htm"><font color="#0000ff" face="Arial" size="2">FIRM BROCHURE</font></a><font face="Arial" size="2"> | </font><a href="blue_careers.htm"><font color="#0000ff" face="Arial" size="2">CAREERS</font></a><font face="Arial" size="2"> | </font><a href="blue_contactus.htm"><font color="#0000ff" face="Arial" size="2">CONTACT US</font></a></td> </tr> <tr> <td align="right" background="imgs/ksg_logo_header2b_bg.gif" valign="top" width="213"><!-- InstanceBeginEditable name="graphic_subheader" --><img src="imgs/blue_member_attorney.gif" height="39" width="213"><!-- InstanceEndEditable --></td> <td align="right" background="imgs/ksg_logo_header2b_bg.gif" valign="top"><!-- InstanceBeginEditable name="graphic_header" --><img src="imgs/blue_header_attorney.gif" height="36" width="326"><!-- InstanceEndEditable --></td> </tr> <tr> <td background="imgs/ksg_logo_header2c_bg.gif">&nbsp;</td> <td background="imgs/ksg_logo_header2c_bg1.gif"><table border="0" cellpadding="0" cellspacing="0" width="100%"> <tbody><tr> <td width="20">&nbsp;</td> <td><!-- InstanceBeginEditable name="graphic_sectionTitle" --><img src="imgs/blue_name_Clifford_Higa.gif" name="blue_practice_scaling_r7_c4" border="0" height="24" width="287"><!-- InstanceEndEditable --></td> </tr> </tbody></table></td> </tr> <tr> <td align="center" background="imgs/ksg_logo_header2c_bg.gif" valign="top" width="213"><!-- InstanceBeginEditable name="add_on_content2" --> <table border="0" cellpadding="0" cellspacing="0" width="100%"> <tbody><tr> <td width="10%">&nbsp;</td> <td align="left" width="80%"><img src="photos/photo_clifford_higa.jpg" height="248" width="180"></td> <td width="10%">&nbsp;</td> </tr> <tr> <td>&nbsp;</td> <td>&nbsp;</td> <td>&nbsp;</td> </tr> <tr> <td>&nbsp;</td> <td align="left" valign="top"> <p><b><font face="Arial, Helvetica, sans-serif" size="2">BUSINESS ADDRESS</font></b><font face="Arial, Helvetica, sans-serif" size="2"><br> 999 Bishop Street<br> 26th Floor<br> Honolulu, HI 96813</font></p> <p><font face="Arial, Helvetica, sans-serif" size="2"><b>E-MAIL</b><br> <a href="mailto:ckh@ksglaw.com">ckh@ksglaw.com</a></font></p> <p><font face="Arial, Helvetica, sans-serif" size="2"><b>TELEPHONE</b><br> 808-539-8700</font></p> <p><font face="Arial, Helvetica, sans-serif" size="2"><b>FACSIMILE</b><br> 808-539-8799 </font></p> <p><font face="Arial, Helvetica, sans-serif" size="2"><b>PRACTICE AREAS</b><br> <a href="blue_prac_financialinstitutions.htm">Financial Institutions</a><br> <a href="blue_prac_publicutilitieslaw.htm">Public Utilities Law</a><br> <a href="blue_prac_generalcorporate.htm">General Corporate</a><br> </font></p> <p><font face="Arial, Helvetica, sans-serif" size="2"><b>EDUCATION</b><br> <b>University of Hawaii<br> at Manoa<br> </b>Bachelor of Arts</font></p> <p><font face="Arial, Helvetica, sans-serif" size="2"><b>University of Hawaii<br> at Manoa</b><br> <b>William S. Richardson<br> School of Law</b><br> Juris Doctor</font></p> </td> <td>&nbsp;</td> </tr> <tr> <td>&nbsp;</td> <td>&nbsp;</td> <td>&nbsp;</td> </tr> <tr> <td>&nbsp;</td> <td>&nbsp;</td> <td>&nbsp;</td> </tr> <tr> <td>&nbsp;</td> <td>&nbsp;</td> <td>&nbsp;</td> </tr> <tr> <td>&nbsp;</td> <td>&nbsp;</td> <td>&nbsp;</td> </tr> </tbody></table><!-- InstanceEndEditable --></td> <td background="imgs/ksg_logo_header2c_bg1.gif" valign="top"><table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"> <tbody><tr> <td width="5%">&nbsp;</td> <td align="left" valign="top" width="85%">&nbsp;</td> <td align="left" valign="top" width="10%">&nbsp;</td> </tr> <tr> <td width="5%">&nbsp;</td> <td align="left" valign="top" width="85%"><span style="font-family: Arial;"> <o:p></o:p><o:p> </o:p><p class="p4" style="margin: 0in 0in 0pt;"><span style="font-family: Arial;">Upon graduation from law school, Mr. Higa served as a law clerk to Justice Frank D. Padgett in the State Supreme Court and the Intermediate Court of Appeals.<span style="">&nbsp; </span>In 1982, Mr. Higa served as a Deputy Attorney General where he was primarily involved in litigation in the areas of insurance, corporations, securities, and professional and vocational licenses.<span style="">&nbsp; </span>He assumed the responsibility of a Supervising Deputy Attorney General in 1985.<o:p></o:p></span></p> <p><span style="font-family: Arial;">In 1987, Mr. Higa was appointed Commissioner of Financial Institutions for the Department of Commerce &amp; Consumer Affairs.<span style="">&nbsp; </span>As the State s Banking Commissioner, he was responsible for the regulation of state-chartered banks, savings, and loans, trusts companies, credit unions, finance companies, foreign banks and foreign lenders. During his tenure as Banking Commissioner, Mr. Higa was instrumental in leading the State s effort to recodify laws relating to the regulation of financial institutions.<span style="">&nbsp; </span>The resulting Code of Financial Institutions, now set forth as Chapter 412 of the Hawaii Revised Statues, is a comprehensive revision of banking and related laws that were first enacted in the 1930 s.<span style="">&nbsp; </span>During his tenure, Mr. Higa also successfully secured national accreditation for State Bank Examiners from the National Conference of State Bank Supervisors.<o:p></o:p></span></p> <p class="p4" style="margin: 0in 0in 0pt;"><span style="font-family: Arial;">In 1993, Mr. Higa was appointed the Director of the Department of Commerce &amp; Consumer Affairs.<span style="">&nbsp; </span>The Department is the State s primary regulator of industries such as banking, insurance, securities, cable television, corporations, partnerships, contractors, realtors, and other professional licensing boards.<span style="">&nbsp; </span>As director of this State Department, Mr. Higa was responsible for overseeing the functions of fourteen divisions and over 450 employees.<o:p></o:p></span></p> <p><span style="font-family: Arial;">Mr. Higa joined the law firm as a partner in 1995.<span style="">&nbsp; </span>He is a member of the American and Hawaii State Bar Associations.<span style="">&nbsp; </span>His practice concentrates upon banking and insurance regulation, insurance insolvencies, public utilities representation, commercial litigation and legislative lobbying.<o:p></o:p></span></p> <p class="p4" style="margin: 0in 0in 0pt;"></p></span>&nbsp;<p></p> </td> <td align="left" valign="top" width="10%">&nbsp;</td> </tr> <tr> <td width="5%">&nbsp;</td> <td align="left" valign="top" width="85%">&nbsp;</td> <td align="left" valign="top" width="10%">&nbsp;</td> </tr> <tr> <td width="5%">&nbsp;</td> <td align="left" valign="top" width="85%"> <div align="center"><!-- InstanceBeginRepeat name="bottom_nav" --><!-- InstanceBeginRepeatEntry --><font face="Arial, Helvetica, sans-serif"><a href="index.htm"><font size="2">GATEWAY</font></a><font size="2"> | <a href="blue_theFirm.htm">THE FIRM</a> | <a href="blue_prac_practice_areas.htm">THE PRACTICE</a> | <a href="blue_atty_partners_and_associates.htm">THE ATTORNEYS</a> | <a href="blue_clients.htm">OUR CLIENTS</a> <br> <a href="blue_profiles.htm">FIRM BROCHURE</a> | <a href="blue_careers.htm">CAREERS</a> | <a href="blue_contactus.htm">CONTACT US</a></font></font> <!-- InstanceEndRepeatEntry --><!-- InstanceEndRepeat --> </div> </td> <td align="left" valign="top" width="10%">&nbsp;</td> </tr> <tr> <td width="5%">&nbsp;</td> <td align="left" valign="bottom" width="85%">&nbsp;</td> <td align="left" valign="top" width="10%">&nbsp;</td> </tr> <tr> <td width="5%">&nbsp;</td> <td align="left" valign="bottom" width="85%"><!-- InstanceBeginRepeat name="footer" --><!-- InstanceBeginRepeatEntry --><font face="Verdana, Arial, Helvetica, sans-serif" size="1">© 2003 Kobayashi Sugita &amp; Goda, Attorneys at Law<br> <font color="#000000"> <a href="javascript:window.open('privacy_policy.htm','image','width=550,height=439,toolbar=no,statusbar=no,scrollbars=yes').focus()">Privacy Policy</a>&nbsp;&nbsp;·&nbsp;&nbsp; <a href="javascript:window.open('terms_disclaimer.htm','image','width=550,height=439,toolbar=no,statusbar=no,scrollbars=yes').focus()">Disclaimer/Terms of Use</a></font></font> <!-- InstanceEndRepeatEntry --><!-- InstanceEndRepeat --></td> <td align="left" valign="top" width="10%">&nbsp;</td> </tr> </tbody></table></td> </tr> <tr> <td align="center" background="imgs/ksg_logo_header2c_bg.gif">&nbsp;</td> <td background="imgs/ksg_logo_header2c_bg1.gif" valign="top">&nbsp;</td> </tr> </tbody></table> </td> </tr> </tbody></table><!-- InstanceBeginRepeat name="nav_menu_script" --><!-- InstanceBeginRepeatEntry --> <map name="m_KSGLAW"><area shape="RECT" coords="217,3,329,18" href="http://www.ksglaw.com/blue_atty_partners_and_associates.htm" title="The Attorneys" alt="The Attorneys" onmouseout="MM_startTimeout();" onmouseover="MM_showMenu(window.mm_menu_1025143445_0,222,19,null,'KSGLAW');"><area shape="RECT" coords="95,3,197,18" href="http://www.ksglaw.com/blue_prac_practice_areas.htm" title="The Practice" alt="The Practice" onmouseout="MM_startTimeout();" onmouseover="MM_showMenu(window.mm_menu_1025142835_1,100,19,null,'KSGLAW');"><area shape="RECT" coords="348,2,447,18" href="http://www.ksglaw.com/blue_clients.htm" title="Our Clients" alt="Our Clients"><area shape="RECT" coords="298,21,395,37" href="http://www.ksglaw.com/blue_contactus.htm" title="Contact Us" alt="Contact Us"><area shape="RECT" coords="198,22,279,36" href="http://www.ksglaw.com/blue_careers.htm" title="Careers" alt="Careers" onmouseout="MM_startTimeout();" onmouseover="MM_showMenu(window.mm_menu_1025142433_2,203,37,null,'KSGLAW');"><area shape="RECT" coords="61,21,175,37" href="http://www.ksglaw.com/blue_profiles.htm" title="Firm Brochure" alt="Firm Brochure"><area shape="RECT" coords="2,3,76,18" href="http://www.ksglaw.com/blue_theFirm.htm" title="The Firm" alt="The Firm"></map><!-- InstanceEndRepeatEntry --><!-- InstanceEndRepeat --> <!-- InstanceEnd --></body></html>