Hawaii Revised Statutes Division 2. Business § 412:6-302

(1) Commercial loans: fifteen per cent of the savings bank's total assets. For purposes of this section “commercial loan” means any loan primarily for business, corporate, commercial, or agricultural purposes where the savings bank substantially relies on the borrower's general credit standing for repayment of the loan and, if the loan is secured by real property, does not primarily rely on the value of or income or projected income from the security for repayment of the loan; and

(2) Education loans: ten per cent of the savings bank's total assets. For purposes of this section, “education loan” means any loan the proceeds of which are used to pay for tuition, fees, books, and other expenses related to primary, secondary, vocational and undergraduate and postgraduate college or university education.