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or///So <br />Consulting <br />Database Marketing <br />Economic & Social Impact <br />Studies <br />Research <br />SMS <br />1042 Fort Street Mall <br />Suite 200 <br />Honolulu, HI 96813 <br />Ph: (808) 537 -3356 <br />Toll Free (877) 535 -5767 <br />Fax: (808) 537 -2686 <br />E -mail: info 0-smshawa ii.com <br />Website: www.smshawaii.com <br />SMS Affiliations and Associations: <br />Alan Barker Associates <br />Warren Dastrup — Kauai Affiliate <br />Experian <br />International Survey Research <br />Solutions Pacific, LLC <br />3i Marketing & Communications <br />Beyond Information. Intelligence. <br />February 28, 2007 <br />Mr. Orlando "Dan" Davidson <br />Executive Director <br />Hawaii Housing Finance & <br />Development Corporation (HHFDC) <br />677 Queen Street, Suite 300 <br />Honolulu, Hawaii 96813 -5120 <br />Mr. Edwin Taira <br />Housing Administrator <br />Office of Housing and <br />Community Development <br />County of Hawaii <br />50 Wailuku Drive <br />Hilo, Hawaii 96720 <br />Mr. Kenneth Rainforth <br />Housing Administrator <br />County of Kauai Housing Agency <br />4444 Rice Street, Suite 330 <br />Lihue, Hawaii 96766 <br />Mr. Clyde Namuo <br />Administrator <br />Office of Hawaiian Affairs <br />711 Kapiolani Blvd., Ste.500 <br />Honolulu, Hawaii 96813 <br />Dear Directors /Administrators: <br />Mr. Edwin Okubo <br />Housing Administrator <br />Department of Housing and <br />Human Concerns <br />County of Maui <br />200 South High Street <br />Wailuku, Maui, Hawaii 96793 <br />Ms. Deborah Kim Morikawa <br />Director <br />Department of Community <br />Services <br />City and County of Honolulu <br />650 South King Street <br />Honolulu, Hawaii 96813 <br />Mr. Micah Kane <br />Director <br />Department of Hawaiian Home <br />Lands <br />1099 Alakea Street, Suite 2000 <br />Honolulu, Hawaii 96813 <br />It is with pleasure that SMS Research presents this report of the findings of the <br />Hawaii Housing Policy Study Update, 2006. We believe the results will be an <br />important tool to be used by those who will plan for and develop new housing <br />opportunities for Hawaii's people in the remainder of this decade. <br />It has been a pleasure serving you during the course of this project, and we <br />look forward to working with you in the future. <br />Sincerely, <br />James E. Dannemiller <br />Executive Vice President <br />