Introducing: ASB Free Checking! American Savings Bank is proud to introduce ASB Free Checking, a feature-packed checking account that's unlike any other checking account in Hawaii. No monthly fees No minimum balance Free identity theft recovery service Free online bill payment Free check card with TravelAwards PlusSM rewards program No minimum opening deposit Plus, receive your first order of Kalo design checks free, set up no-annual-fee overdraft protection from your American Savings Bank savings account and access your account information 24/7 with online banking at no charge. Why is American Savings Bank offering this product? Simply put, because you deserve the best checking account in the islands. For more information about ASB Free Checking, stop by any branch, call us at 627-6900 (Oahu) or 1-800-272-2566 (Neighbor Islands and Mainland) or visit asbhawaii.com. Open your ASB Free Checking account today. We make it easy to bank with us, too – because in addition to our more than 225 ATMs statewide, and our online banking and telephone banking services, we're open longer hours in more locations than any other bank in Hawaii. Just visit any of our 63 conveniently located branches to open your ASB Free Checking today.

Online Banking puts you in touch and in control What's the best thing about American Savings Bank's Online Banking? It's FREE, plus you have unlimited access to account information day and night. You can use Online Banking from anywhere you have Internet access, whether at home, at work or on the road. With Online Banking, you'll enjoy: Up-to-date account management. View current and previous account information, download transactions, schedule one-time or recurring transfers between your American Savings Bank deposit accounts, make credit card and loan payments, and more!* Online Bill Payment. Pay your bills or send money to a friend with a few mouse clicks. No writing out checks, licking envelopes or affixing stamps! Plus, it's FREE for ASB Free Checking, Preferred Checking (with government or payroll direct deposit), and I-PlanSM Level ii and iii.** Account alerts. FREE e-mail alerts allow you to keep tabs on your account activity and transactions. You can set up alerts that let you know when your checking balance falls below and/or exceeds a certain dollar amount, when a check has cleared and more. Secure banking. Your Online Banking sessions are protected with 128-bit secure sockets layer encryption, the highest level of online security available. Plus, you'll enjoy the peace of mind that comes with our identity theft recovery service – FREE to all American Savings Bank checking customers. Enroll now … it's easy! It's quick and easy to enroll in Online Banking at American Savings Bank. Simply: Have a copy of your most recent account statement available. Visit asbhawaii.com. Click on "Enroll" in the Online Banking box on the left-hand side of the homepage. Follow the step-by-step instructions.   *  Transfers may be subject to limitations. Please contact us for details.  **  All other checking accounts will receive a free 2-month trial. Then, monthly fees may apply. Please visit asbhawaii.com for the latest terms and rates.

The articles and opinions in this publication are for general information only and are not intended to provide specific advice or recommendations for any individual. We suggest that you consult your attorney, accountant, financial or tax advisor with regard to your individual situation. Entire publication ©American Savings Bank 2008. All rights reserved.