- Page 1 -
Win a $10,000 Dream Vacation!
Saving you money on auto insurance with AIG Hawaii

- Page 2 -
Choosing the right merchant services provider
Phishers find new ways to reel people in

- Page 3 -
Please help us to serve you even better
Tap your financial power with Equity PowerLineSM

- Page 4 -
Now there's more FDIC protection for your retirement money
Don't miss the 2nd Annual Remodel It Right Expo 2006

- Page 5 -
Supporting growing businesses in Waipahu
Creating jobs and opportunities in Papakolea
American Savings Bank is "people's choice" for best bank

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Customer satisfaction telephone survey
Please help us to serve you even better
By David Hudson, Sr. Vice President, Retail Sales & Service

At American Savings Bank, we know how busy your life can be. But we also know that without your feedback we cannot provide you with the level of customer service that you expect and deserve from American Savings Bank. That's why we've asked Market Trends Pacific Inc., a premier independent market research firm located in Honolulu, to help us find out about your service experience at our branches.

What can you expect?
Throughout 2006, survey representatives from Market Trends Pacific will randomly call customers over the age of 18 who have visited one of our branches. Calls will be made only during the hours of 9 a.m. to 8 p.m. The questions will involve your experience at one of our branches, the level of service you received from our employees, and whether you have any specific suggestions to enhance your experience or our services.

You may also be asked to tell us a little bit about yourself. This is important in helping us better understand the needs of all of our customers. We take protecting your privacy very seriously. Please know that all information will be kept strictly confidential. Remember: Survey representatives of Market Trends Pacific will not, under any circumstances, ask for personal financial information about your bank accounts. Never give your Social Security Number or bank account numbers over the phone unless you have initiated the call and are certain the company and caller are legitimate. If you have any questions, please feel free to give us a call at 1-888-218-4296.

Your opinion is valuable
American Savings Bank deeply cares about providing you with the superior customer service you deserve. Your honest opinion about the service you receive will help us ensure that your branch experience exceeds your expectations. Although your participation in this survey is completely voluntary, we hope you will choose to participate.



Tap your financial power with Equity PowerLineSM

Summer's here, and if you're looking for a good way to finance your home remodeling, dream vacation or consolidate higher-interest loans, American Savings Bank's Equity PowerLineSM may be the perfect answer by unlocking the value in your home.

Congratulations to Dana M. Opupele, Dana J. Zichittella, Ralph B. Perez Jr.,Vince K.Yamashiroya and Janie M. Chambrella for winning the American Savings Bank Equity PowerLine "Fuel Your Dream" Sweepstakes! In December 2005, in partnership with Aloha Petroleum, these five lucky customers received $1,000 worth of free gas.

Equity PowerLine is a revolving line of credit based on the equity in your home. Because your home serves as collateral, the interest rate on this line of credit is often lower than other consumer loans and credit cards. Perhaps best of all, your interest payments may even be tax-deductible, making the real cost of borrowing even lower. (Ask your tax advisor for more details.)

To find out more, simply visit your nearest branch, call 1-888-218-4299 or visit us online at asbhawaii.com.



Page 1: Win a $10,000 Dream Vacation! | Saving you money on auto insurance with AIG Hawaii
Page 2: Choosing the right merchant services provider | Phishers find new ways to reel people in
Page 3: Please help us to serve you even better | Tap your financial power with Equity PowerLineSM
Page 4: Now there's more FDIC protection for your retirement money | Don't miss the 2nd Annual Remodel It Right Expo 2006
Page 5: Supporting growing businesses in Waipahu | Creating jobs and opportunities in Papakolea | American Savings Bank is "people's choice" for best bank