VISA CARD AGREEMENT 

The terms and conditions of this Agreement apply to the following VISA Card Accounts: VISA Classic, 
TravelAwards  Plus  VISA  Classic,  VISA  Gold,  TravelAwardsPlus  VISA  Gold,  Secured  VISA, 
TravelAwards  Plus  Secured  VISA,  Student  Secured  VISA,  and  TravelAwards  Plus  Student  Secured 
VISA. 

In this Agreement the words “we,” “us” and “our” refer to American Savings Bank. The words “you” 
and  “your”  mean  everyone  else  who  have  signed  the  application  or  otherwise  agree  to  be  obligated 
under this Agreement (for example, by using the VISA card). 
  You have given us your application for one or more of our VISA cards.  If you are married, you and 
your spouse may apply for either a joint account or separate accounts.  Submit two applications to apply 
for  separate  accounts.    By  signing  your  application,  or  using  the  VISA  card,  you  represent  that  all  the 
information  is  true  and  correct.    By  requesting  or  obtaining  a  VISA  Card  Account,  you  authorize  us  to 
check your credit history. You also authorize your employer and other references listed to release and 
verify  information  to  us  to  determine  your  eligibility  for  the  card  at  any  renewal  or  extension  of  credit.   
You permit us to ask the references you have given us and to ask your employer and elsewhere from 
time to time about your finances, character and income.  We may report to others our credit experience 
with you.  If we issue you the VISA card(s) that you have asked for, which after this we will call the “card” 
or your “VISA card,” you agree to all of the terms of this Agreement both in using the card and in making 
your payments to us. 
  We will set a credit limit for your card and let you know  what it is. We do not have to extend more 
credit than your credit limit. You must not use your card for more credit than that.  

In this Agreement we will call the advances we make for the purchase of goods and services, your 

“purchases.”  We will call cash withdrawals from your VISA Card Account whether taken from an 
automated teller machine or otherwise your “cash advances.”  Daily, you may take ATM cash advances 
of no more than $500.00 or the amount of your available credit limit, whichever is less. 

RATES AND ANNUAL FEES 

Account Type 

VISA Classic 
VISA Gold 
Secured VISA 
Student Secured VISA 
TravelAwards Plus VISA Classic 
TravelAwards Plus VISA Gold 
TravelAwards Plus Secured VISA 
TravelAwards Plus Student Secured 
VISA 

Annual 
Percentage 
Rate 
16.25% 
15.90% 
13.50% 
15.00% 
16.25% 
15.90% 
13.50% 

15.00% 

Daily Periodic 
Rate 

.0445% 
.0436% 
.0370% 
.0411% 
.0445% 
.0436% 
.0370% 

.0411% 

Annual 
Fee 

None 
$25.00 
None 
None 
$24.00 
$50.00 
$24.00 

$24.00 

  ANNUAL  FEE:    You  must  pay  us  a  non-refundable  Annual  Fee,  whether  you  use  the  card  or  not.  
The Annual Fee you will be charged is dependent on the account type. Refer to the Rates and Annual 
Fees  table  for  the  applicable  Annual  Fee.  The  Annual  Fee  will  be  charged  to  you  in  your  first  billing 
statement and every year thereafter in the billing statement of your anniversary month. Your Annual Fee 
will, however, be refunded to you if you decide to cancel your credit card Agreement within 30 days after 
your  Annual  Fee  charge  appears  on  your  monthly  statement.  Refer  to  the  Cancellation  section  for 
further information on cancellation procedures. 
  VISA  CARD  ACCOUNT  STATEMENTS:    Your  VISA  Card  Account  will  be  made  up  of  all  of  your 
purchases  and  cash  advances  when  made  (converted  to  United  States  money,  if  necessary,  at  a 
conversion rate established pursuant to the applicable VISA Operating Regulations); your Annual Fee, 
all  Finance  Charges,  and  any  other  charges  and  fees  agreed  to  in  this  Agreement.    We  will  send  or 
make  electronically  available  for  you  a  statement  for  each  monthly  billing  period  in  which  your  VISA 
Card Account has an outstanding New Balance or has Finance Charges added to it.  Your statement will 
show  the  minimum  amount  that  you  must  pay  and  when  we  must  receive  your  payment.    Your  next 
statement  will  be  your  receipt  for  your  payments  which  are  shown  on  it.    If  you  agree  to  receive  your 
Statements  electronically  through  our  electronic  statement  and  payment  service  (the  “Service”),  your 
Statement  will  also  be  governed  by  the  terms  and  conditions  covering  the  Service  as  amended  by  us 
from time to time (the “Service Agreement”). 
  FINANCE CHARGES: (a) Calculation:  We will figure the FINANCE CHARGE on your VISA Card 
Account by applying the daily periodic rate as indicated in the Rates and Annual Fees section, which is 
the  ANNUAL  PERCENTAGE  RATE  divided  by  365,  to  the  “Average  Daily  Balance”  of  your  Account 
(including current transactions) and multiplying the product by the number of days in the billing cycle. To 
get the “Average Daily Balance” of your Account we will: (1) Take the beginning balance of your Account 
each  day,  (2)  Add  any  new  cash  advances,  (3)  Add  any  new  purchases  and  other  fees  or  charges 
unless  your  total  payments  and  credits  on  or  before  your  due  date  shown  in  your  previous  month’s 
statement are as much as the New Balance shown on it. (4) Subtract any payments or credits applied to 
your  Account  and,  (5)  Subtract  any  unpaid  Annual  Fee,  Fees,  Late  Charges  and    Finance  Charges 
previously  added  to  it.    This  will  give  us  the  balance.    Then  we  will  add  up  all  the  daily  balances 
(excluding  daily  credit  balances)  for  the  billing  cycle  and  divide  the  total  by  the  number  of  days  in  the 
billing cycle.  This will give us the “Average Daily Balance”, subject to minor variations due to rounding.  
(b)  Avoiding  Additional  Finance  Charges:    Except  as  to  cash  advances  there  will  be  no  Finance 
Charge if your total payments and credits on or before the due date shown on your monthly statement 
are  equal  to  the  entire  New  Balance  shown  on  it.    Finance  Charges  on  cash  advances  cannot  be 
avoided.  They begin on the day the cash advances are added to your VISA Card Account. 
  PAYMENTS: (a) Minimum Payments:  Your Due Date will be the same date each month (for 
example, if your payment is due on the 12th, it will be due on the 12th of each month), and Your Minimum 
Payment Due is equal to the sum of your Current Payment Due plus any payments past due and any 
amount by which Your New Balance exceeds Your Credit Limit.  You agree to pay us after the 
Statement Date and on or before the Due Date shown on your statement at least the Minimum Payment 
Due.  Your Current Payment Due is calculated based on the New Balance shown on your statement:   

      If Your New Balance is  
     $20.00 or less 
    $20.01 or more 

         You Must Pay at Least 
               The entire amount 
               The greater of 3%of the New Balance or 
                $20.00 (rounded up to the nearest  
                dollar) 

You may make more than the Minimum Payment Due, but you may not prepay your Minimum Payment 
Due before the Statement Date of the statement on which it appears. 
(b)  Currency:    You  must  make  all  of  your  payments  in  United  States  money,  even  if  your  original 
Purchases were made, or Cash Advances were received, in foreign currencies. 
(c) Time and Place for Payment:  You may send your payment to the address indicated on your billing 
statement,  arrange  to  make  your  payment  electronically  through  the  Service  and  your  electronic 
payments will be governed by this Agreement and the Service Agreement, or make it in person at any of 
our branches.  We must receive your payment by 5:00 p.m. on the Due Date.  If your payment Due Date 
is on a weekend or holiday, you will have until the following business day to make your payment.  (For 
example, if Your Due Date is Sunday the 15th, your payment will be on time if it is received by Monday 
the 16th by 5:00 p.m.) 
  HOW YOUR PAYMENTS WILL BE  APPLIED: We will apply your payments as follows: (1) first, to 
your Annual Fee; (2) second, to Interest Charged; (3) third, to late charges due; (4) fourth, to other fees; 
(5)  fifth,  to  repayment  of  previous  cash  advances;  (6)  sixth,  to  repayment  of  previous  purchases;  (7) 
seventh, to current cash advances; and (8) eighth, to current purchases. 
  LATE CHARGES:  On each payment that you don’t pay for 10 days or more after its due date, you 
will have to pay a Late Charge, provided that before your next payment is due we tell you about the Late 
Charge,  which  we  will  do  by  showing it  on  your  statement.  You  will  only have  to  pay the  Late  Charge 
once on the same late payment, but when you make any payment, we will treat it as being your oldest 
payment(s)  due  whether  or  not  the  amounts  are  the  same.  We  will  not  charge  you  any  more  late 
charges after acceleration of your payments.   
  CASH ADVANCE FEE: 3% of the amount of each Cash Advance, subject to a minimum $5.00 fee.  
A  Cash  Advance is  an immediate  cash loan you  obtain through  the  use  of  your  Visa  Card  Account  at 
any  participating  affiliated  automated  teller  machine  (“ATM”)  or  any  financial  institution  or  other 
establishment authorized to process and grant you a Cash Advance. 
  WHOLE  BALANCE  DUE:  If  you  do  not pay us  at least  the  minimum  payment  when  it is due,  or if 
you  break  a  promise  under  this  Agreement,  or  if  we  in  good  faith  believe  that  the  prospect  of  your 
making  your  payments  and  keeping  your  promises  is  not  as  good  as  it  was  when  you  signed  the 
application, we can "accelerate" all of your payments, and cancel this Agreement. That is to say, we can 
make the entire unpaid balance including all unpaid purchases, cash advances, Interest Charged, and 
other charges and fees immediately due and payable. We don't have to give you any notice before we 
do that. We can also "accelerate" all of your payments (i) if you make a false or misleading statement on 
your application, (ii) if you die, (iii) if a case is filed under the bankruptcy laws of the United States by or 
against you as a debtor, (iv) if any other creditor tries to seize your property, or (v) if we in good faith and 
with  reasonable  cause  believe  the  chances  of  your  making  your  payments  or  keeping  your  promises 
aren't good anymore. 
  UNSECURED CREDIT:  We have no security for your VISA Card Account, unless it is a Secured or 
Student Secured VISA Card Account, regardless of any other agreement you may have with us. 
  LIABILITY  FOR  AUTHORIZED  AND  UNAUTHORIZED  USE  AND  LOSS  OF  CARD:    You  will  be 
liable  for  any  credit  extended  to  authorized  persons  who  use  your  VISA  card.    If  used  by  a  minor 
member of your family, we may presume and you will not dispute that the use of the credit card was for 
a necessity of life.  If you give the credit card to a person for a specific purchase then we may presume 
and you will not dispute that the person is authorized to use the credit card.  If you believe your VISA 
card(s) have been stolen or that someone may use or has transferred or may transfer money from your 
account without your permission, you must notify us immediately.  Call our Customer Banking Center at 
(808) 627-6900 on Oahu or toll-free from the Neighbor Islands and Mainland at 1-800-272-2566 or write 
to our VISA Department, American Savings Bank, P.O. Box 2300, Honolulu, Hawaii 96804-2300.  You 
agree that if  any  unauthorized use  of  the  card  or  your  VISA  account  occurs  you  will  cooperate  fully in 
any investigation and prosecution for such unauthorized use.  You will be liable for unauthorized use by 
someone  else  to  obtain  credit  only  to the extent  of  $50,  regardless of  when  you  notify  us.    If  we  have 
issued two or more cards for your VISA Card Account, and you notify us of the loss or theft of one, DO 
NOT USE THE OTHER(S).  If you do, and the merchant keeps the card, you will have to pay us $50 to 
reimburse  us  for  the  reward  we  have  to  pay  the  merchant,  which  we  will  treat  like  a  fee  under  this 
Agreement. 
  AUTOMATED  TELLER  MACHINES:  You  have  or  may  be  given  a  Personal  Identification  Number 
(“PIN”)  to  access  your  VISA  Account  through  automated  teller  machines.    This  PIN  is  your  personal 
code  and  you  should  not  disclose  your  PIN  to  others.    Allowing  someone  else  to  know  your  PIN  will 
allow  them  to  access  your  VISA  Account  and  may  result  in  you  losing  the  unused  balance  in  your 
account.  We may, at any time, suspend or terminate your use of automated teller machines (to access 
your account) without cause or prior notice. In addition you understand and agree that you may use your 
VISA card at a Money Express ATM or an ATM authorized by us that bears the VISA logo. You may use 
your card at such an ATM to obtain a cash advance. We will charge you $1.00 for obtaining this cash 
advance  and  the  applicable  cash  advance  fee  (see  Cash  Advance  Fee  section). WE  RESERVE  THE 
RIGHT TO WAIVE THIS FEE FROM TIME TO TIME.  

LIMITATIONS  ON  ATM  TRANSACTIONS:  In  addition  to  the  limitations  on  ATM  transactions 
described  in  the  AGREEMENT  BETWEEN  YOU  AND  AMERICAN  SAVINGS  BANK  CONCERNING 
VISA CARD ELECTRONIC FUND TRANSFER SERVICES, you agree that you will not use your VISA 
card  and  PIN  to  initiate  any  ATM  transaction  that  would  cause  the  balance  of  your  Visa  account  to 
exceed the credit limit on your VISA card. If you do this, we may complete the transaction, but we are 

not  required  to  do  so.  If  we  do  so,  you  agree  to  pay  any  amount  in  excess  of  your  credit  limit 
immediately upon request. 
  OBTAINING CREDIT WITHOUT A CARD: If you give your Account number to make Purchases or 
to obtain a Cash Advance without using your card (such as for a mail order or telephone purchase), you 
will be responsible for the amount of the Purchase or Cash Advance as if you had used the card. 
  CONVENIENCE  CHECKS:  If  we  supply  you  with  personalized  Convenience  Checks,  they  will  be 
subject  to  the  following  conditions.  Only  the  person  whose  name  is  printed  on  a  Convenience  Check 
may sign it. All Convenience Checks must be written in U.S. dollars. We will not certify a Convenience 
Check. We are entitled to return it unpaid if there is not enough available credit in your Account to pay it, 
if you are in default under this Agreement, if your Card or Convenience Checks have been reported lost 
or stolen, or the Convenience Check is post dated (shows a future date). Any Convenience Check that 
we pay will be added to your Account as a Cash Advance and you will be charged the applicable Cash 
Advance  fee  (see  Cash  Advance  Fee  section).  A  Convenience  Check  cannot  be  used  to  make  a 
payment on your VISA account. 
  BALANCE TRANSFERS: From time to time, you may authorize us to reduce or payoff the balance 
on credit card accounts you have with other institutions. We will pay the balances you have authorized in 
writing  up  to  your  credit limit,  unless  otherwise  limited  by  the  terms  and  conditions  of  this  Agreement. 
Any balance transfer will be added to your account as a Cash Advance. 
  QUESTIONS  AND  BILLING  ERRORS:    Let  us  know  right  away  if  you  have  any  questions  about 
your statement.  If you think we have made  a mistake on your monthly statement you should read the 
notice of rights to dispute billing errors. 
  OTHER FEES:  We charge the following fees, unless the law forbids us to do so in the future, which 
may be amended from time to time by us, for the services described below. You authorize us to charge 
your VISA Card Account for fees due us. We reserve the right to waive fees from time to time and if we 
incur special expenses on your VISA Card Account due to a request by you, we may also charge you for 
these expenses. 

Late Payment Fee 
Duplicate Draft 
Returned item (due to insufficient funds) 
Statement Reconciliation (per half hour) 
Research Request (per half hour) 
First Replacement of Lost, Stolen, or Damaged Card 
Additional Replacement Cards (per card) 
ATM Fee (per transaction) 
Cash Advance Fee 

$25.00 
$  2.00 
$20.00 
$10.00 
$10.00 
Free 
$15.00 
$  1.00 

3% of the amount of each Cash Advance 
Amount, subject to a $5.00 minimum fee. 

COLLECTION  COSTS:    If  we  hire  an  attorney  to  collect  the  unpaid  balance  of  your  Card  Account  or 
anything  else  you  owe  under  this  agreement,  you  must  pay  us  a  reasonable  attorney’s  fee,  up  to  the 
maximum amount allowed by law, and any other expenses including cost of repossession, foreclosure 
and other legal remedies that we incur in collecting what you owe under this contract.  If we have to sue 
you  to  do  that,  you  must  pay  us  court  costs,  whether  or  not  we  hire  an  attorney.    You  must  pay  such 
amounts when we demand, or we can, if we wish, treat them as a Cash Advance on your Card. 
  NOTICE  OF  NEGATIVE  INFORMATION:  We  may  report  information  about  your  account  to  credit 
bureaus.  Late payments, missed payments, or other defaults on your account may be reflected in your 
credit report.  
  CHANGE  OF  TERMS:    Subject  to  the  Credit  CARD  Act  of  2009,  we  can  change  the  terms  of  this 
Agreement at any time.  If you do not agree to the new terms, you must terminate your Account prior to 
the effective date of the new terms.  Your failure to terminate your Account prior to the effective date of 
the new terms will constitute your acceptance of the new terms.  The new terms will apply both to new 
purchases, fees and cash advances and any unpaid balance and accrued Finance Charges at the time 
the  change  is  effective.   We  will  mail  or  deliver  to  you  the  new  form  of  your  VISA  card  Agreement  or 
some other written notice of the change at least 45 days before the change takes effect or before your 
first use of your VISA card, except that we don’t have to do that in the following situations: 
(a) You’ve already agreed to the change; or (b) The change involves Late Charges, charges for giving 
you  a  copy  of  a  receipt  or  other  credit  document,  or  fees  listed  in  the  Other  Fees  section  of  this 
Agreement;  or  (c)  The  change  involves  a  reduction  of  any  component  of  a  finance  charge  or  other 
charge; or (d) The change involves suspension of future credit privilege or termination of an account or 
plan; or (e) The change results from an agreement involving a court proceeding, or from your default or 
delinquency (other than an increase in the periodic rate or other rate or other finance charge); or (f) The 
change  (other  than  a  Finance  Charge  increase)  results  from  your  failure  to  make  your  payments  or 
otherwise do as you've promised under this Agreement. 
  DISPUTES WITH SELLER: You must try to settle directly with the seller whatever disputes you may 
have concerning the seller's charges for goods or services that you pay for with the card. If you cannot 
do  so  you  must  send  us  and  the  seller  a  written  notice  of  the  dispute. We  may  then  act  to  settle  the 
dispute as is permitted under the Federal Truth in Lending Act and VISA Regulations. 

IF  YOUR  CARD  IS  REFUSED: We  are not  responsible  and  shall  have  no  liability  if a  merchant, a 
financial  institution,  an  ATM,  or  any  third  party  refuses  to  honor  your  card  or  accept  a  transaction  on 
your  Account.  Although  you  may  have  credit  available,  we  may  be  unable  to  authorize  credit  for  a 
particular  transaction  due  to  operational  difficulties  or  mistakes.  Transactions  made  above  a  certain 
dollar amount may require authorization before the transaction is approved. The number of transactions 
you  make  in  one  day  may  be  limited  since  we  may  limit  the  number  of  authorizations  which  may  be 
given. These restrictions are for security reasons. As a result, we cannot explain the details of how our 
authorization  system  works.  Neither  we  nor  our  agents  will  be  responsible  or  have  any  liability  if 
authorization  for  a  transaction  is  not  given.  If  your  Account  is  overlimit,  or  delinquent,  authorization  of 
credit transactions may be declined. 
  TEMPORARY  REDUCTION  OF  CREDIT  LIMIT:  Merchants,  such  as  car  rental  companies  and 
hotels,  may  request  prior  credit  approval  from  us  for  an  estimated  amount  of  your  Purchases,  even  if 
you ultimately do not pay with your credit card. If our approval is granted, your Available Credit will be 
temporarily  reduced  by  the  amount  authorized  by  us.  If  you  do  not  ultimately  use  your  Credit  Card 
account to pay for your Purchases, or if the actual amount or Purchases posted to your account varies 
from the estimated amount approved by us, it is the responsibility of the merchant, not us, to cancel the 
prior  credit  approval  based  on  the  estimated  amount.  The  failure  of  the  merchant  to  cancel  a  prior 
approval may result in a temporary reduction of your Available Credit, but will not increase the amount 
you owe us under this Agreement. 
  CANCELLATION:  We may cancel this Agreement if you move out of the State of Hawaii or at any 
other time by telephone or by mailing you a written notice of cancellation, and you must  surrender the 
card to us whenever we ask you for it.  You may cancel this Agreement by delivering to us written notice 
that you wish to do so together with all the cards that we have issued to you or your family or in your 
name.  When your VISA card is cancelled, you will still be responsible for any outstanding amounts not 
yet  billed  to  you  and  you  will  be  required  to pay  everything  you  owe  to  us, including any charges  you 
may make after notification to us of the cancellation of your VISA card.  Annual Fees are not refundable 
except under the conditions referred to in the Annual Fee section.  
  ADDRESSES, NOTICES:  If you move, you must give us your new address.  Write us on a separate 
sheet of paper at the address listed below so we can change our records.  Whenever we are required to 
give you notice of something, we may presume without fear of dispute, that we have given it to you if we 
mail  it  to  you  at  your  present  address,  or  any  new  address  that  you  have  given  to  us  or  to  your  last 
address  known  to  us.  Our  mailing  address  is  American  Savings  Bank,  VISA  Department,  P.  O.  Box 
2300,  Honolulu,  Hawaii  96804-2300.  You  should  mail  any  notice  that  you  need  to  give  us  to  that 
address. 
  TIME:    It  is  essential  that  you  make  your  payments  on  time  and  keep  your  promises  under  this 
Agreement. 
  ASSIGNMENT:  You  may  not  assign  to  anyone  your  rights  under  this  Agreement  without  our  prior 
written consent. 
  OUR BUSINESS DAYS: Our business days are Monday through Friday. Holidays are not included. 

JOINT  AND  SEVERAL:    By  signing the  Application  you  agree  and  everyone  signing  with  you  also 
agrees to be liable to us jointly, and each of you will also be liable to us individually, for your loans and 
other  obligations  under  this  Agreement.  We  may  collect  from  or  sue  any  one  or  more  of  you  without 
giving up any of our rights against the others. This Agreement is also binding upon heirs and personal 
representatives in probate and upon anyone to whom you assign your assets or who succeeds to them 
in any other way. 
  WAIVER:  By signing the Application you agree and everyone signing with you also agrees to waive 
the  rights  of  "presentment"  and  "notice  of  dishonor".    "Presentment"  means  the  right  to  require  us  to 
demand payment of amounts due.  "Notice of dishonor" means the right to require us to give notice to 
the other persons that amounts due have not been paid.  In addition, all of you consent to any breaks 
that  we  give  with  respect  to  time  of  payment  (such  as  extensions  or  postponements  or  even  multiple 
extensions for longer than the original period) or that in any other way impair or suspend our remedies 
or rights, shall not result in a continuing waiver of any of our rights under this Agreement. We shall not 
waive any of our rights under this Agreement by giving you a break. No waiver, consent or approval by 
us will be effective unless it is in writing and we have signed it. 
  CONVERSIONS:  If you are converting another VISA account you have with us to this VISA account, 
any  purchases  or  cash  advances  which  are  outstanding  on  your  old  account  will  be  added  to, 
respectively,  your  Purchase  Account  and  your  Cash  Advance  Account.    Those  balances  and  Finance 
Charges will be subject to and payable as provided under this Agreement.  
  ARBITRATION:  If you or we request, any controversy or claim between you and us will be decided 
by arbitration in Honolulu, Hawaii, in accordance with the Commercial Arbitration Rules of the American 
Arbitration  Association  and  Chapter  658A  of  Hawaii  Revised  Statutes.  The  arbitration  will  apply  any 
applicable  statutes  of  limitation  under  Hawaii  law  in  determining  any  claim,  and  will  determine  any 
controversy  concerning  whether  an  issue  is  subject  to  arbitration.  Judgment  on  any  arbitration  award 
may be executed in any court having jurisdiction. Although we may submit any controversy or claim we 
have against you to arbitration, we are not required to do so, and we may pursue any remedies we have 
under  this  Agreement  or  applicable  law.  If  we  commence  a  judicial  action  and/or  exercise  self  help 
remedies, we may do so without waiving our right to submit the controversy to arbitration at a later date. 
If a controversy or claim is submitted to arbitration by either you or us, the prevailing (winning) party will 
be entitled to recover its reasonable attorney's fees and cost. 

ILLEGAL TRANSACTIONS:  The use of this card for illegal transactions is prohibited.  You and the 
Authorized  Users  may  not  use  any  Card  for  an  illegal  purpose.    We  may  cancel  or  suspend  your 
Account if we reasonably believe that your Account or your Designated Deposit Account, if your Account 
is a Secured Visa Account, is being used for an illegal purpose. 

FOREIGN TRANSACTIONS:  If you use your card to make a purchase or cash advance payable in 
a currency other than U. S. Dollars, the amount of the purchase or cash advance will be converted to   
U. S. Dollars by Visa, Inc. (the exchange rate between the transaction currency and the billing currency 
used for processing international transactions is a rate selected by Visa, Inc. from the range of rates 
available in wholesale currency markets for the applicable central processing date, which rate may vary 
from the rate Visa, Inc. itself receives, or the government-mandated rate in effect for the applicable 
central processing date).  Under this situation or if you use your card to make a purchase or cash 
advance in a foreign country payable in U.S. Dollars, the transaction will be assessed an International 
Service Assessment Fee of up to 2% of the transaction amount.. 
  SEVERABILITY:  In  the  event  that  any  provision  of  this  Agreement  is  held  or  determined  invalid  or 
unenforceable, for any reason, the remainder of the Agreement shall remain in full force and effect and 
unaffected by such holdings or determination. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
  APPLICABLE  LAW:  Your  use  of  your  VISA  Card  is  governed  by  the  laws  of  the  State  of  Hawaii, 
even if your purchase or cash advance is made outside of the State of Hawaii. You agree to submit to 
the jurisdiction of any court located in Hawaii at our option.  
  HEADINGS: The headings used in this Agreement are for the convenience of reference only and are 
not intended in any way to define or describe the scope or intent of any provision of the Agreement.  
FOR SECURED VISA AND STUDENT SECURED VISA ACCOUNTS  
In  addition  to  the  other  terms  and  conditions  mentioned  in  this  Agreement  the  following  terms 
and conditions apply to Secured and Student Secured VISA Accounts: 
  SECURED  CREDIT:  Your  Secured  or  Student  Secured  VISA  Card  Account  is  secured  by  the 
savings  account  described  in  your  Secured  or  Student  Secured  VISA  Card  application  and  Pledge 
Agreement. By signing your Secured or Student Secured VISA Card application and Pledge Agreement, 
you have pledged and given to us a security interest in the savings account, including interest earned on 
funds in the account, as collateral for your Secured or Student Secured VISA Card Account. By pledging 
your savings account to us, you agree that if you are in default under this Agreement,  we  may, at our 
option and without notice to you, apply the balance of the pledged savings account to the outstanding 
balance of your Secured or Student Secured VISA Card Account. 
  PLEDGED  ACCOUNT  REQUIREMENTS:  For  Secured  VISA  Accounts,  you  agree  to  maintain  a 
minimum balance in the pledged savings account of an amount equal to the greater of (a) 100% of your 
credit  limit;  (b)  your  outstanding  balance;  or  (c)  $500.00.  For  Student  Secured  VISA  Accounts,  you 
agree to maintain a minimum balance in the pledged savings account of an amount equal to the greater 
of  (a)  110%  of  your  credit  limit;  (b)  your  outstanding  balance;  or  (c)  $330.00.  If  the  balance  in  the 
pledged  savings  account  ever  falls  below  these  minimum  requirements,  you  agree  to  immediately 
deposit  to  the  pledged  savings  account  an  amount  sufficient  to  cause  the  balance  in  the  account  to 
satisfy these minimum balance requirements. You may not close your pledged savings account until the 
outstanding balance of your Secured or Student Secured VISA Card Account has been paid in full and 
all cards issued to you have been returned to us or otherwise satisfactorily accounted for to us. If we or 
you cancel your Secured or Student Secured VISA Card Account, we reserve the right to hold the funds 
on  deposit  in  your  pledged  savings  account  for  a  period  of  time  (but  not  more  than  45  days  after  the 
Secured or Student VISA Card Account is closed), which we believe sufficient for any outstanding credit 
drafts or charges to clear. 
  SECURED  CREDIT;  SETOFF:  We  have  a  security  interest  in  your  pledged  savings  account  as 
described in this Agreement and in your application. We have no other security interest for your Secured 
or Student Secured VISA Card Account regardless of what any other agreement you may have with us 
may say. We may setoff your pledged savings account, however, at any time you are in default under 
this Agreement without notice to you. 
  APPLICABLE  LAW:  Your  use  of  your  Secured  of  Student  Secured  VISA  Card  and  the  pledged 
savings account is governed by the laws of the State of Hawaii, even if your purchase or cash advance 
is  made  outside  of  the  State  of  Hawaii.  You  agree  to  submit  to  the  jurisdiction  of  any  court  located  in 
Hawaii at our option . 
  YOUR BILLING RIGHTS 
  KEEP THIS NOTICE FOR FUTURE USE 
  This  notice  contains  important  information  about  your  rights  and  our  responsibilities  under  the  Fair 
Credit Billing Act. 
NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL 
        If you think your bill is wrong, or if you need more information about a transaction on your bill, write 
us as soon as possible at American Savings Bank, VISA Department,  P.O. Box 2300, Honolulu, Hawaii, 
96804-2300,  or  you  may  contact  us  through  the  Service  if  you  elect  to  receive  your  Statements 
electronically. 
         We must hear from you no later than 60 days after we sent you the first bill on which the error or 
problem  appeared.  You  can  telephone  us  at  (808)  627-6900  on  Oahu  or  toll-free  from  the  Neighbor 
Islands and Mainland at 1-800-272-2566, but doing so will not preserve your rights. 
In your letter give us the following information: 
• 
Your name and account number. 
• 
The dollar amount of the suspected error. 
• 
Describe  the  error  and  explain, if  you  can,  why  you  believe  there  is  an  error.  If  you  need  more 
information, describe the item you are not sure about.  If you authorize us to pay your Account bill 
automatically  from  your  savings  or  checking  account  through  the  Service  or  by  requesting  the 
payment at one of our branches, you can stop or cancel the payments on any amount you think is 
wrong.  To stop the payment, your communication must reach us three (3) business days before 
the automatic payment is scheduled to occur, or, if your automatic payments were set up by you 
using  the  Service,  you  will  need  to  log  in  to  the  Service  and  cancel  the  payments  you  wish  to 
stop. 

YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE 
We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 
days, we must either correct the error or explain why we believe the bill was correct. 
  After  we  receive  your  letter,  we  cannot  try  to  collect  any  amount  you  question,  or  report  you  as 
delinquent. We can continue to bill you for the amount you question, including finance charges, and we 
can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount 
while  we  are  investigating,  but  you  are  still  obligated  to  pay  the  parts  of  your  bills  that  are  not  in 
question. 

If we find that we made a mistake on your bill, you will not have to pay any finance charges related to 
any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you will 
have to make up any missed payments on the questioned amount. In either case, we will send or make 
available for you a statement of the amount you owe and the date that it is due. 

If you fail to pay the amount that we think you owe, we may report you as delinquent.   However, if 
our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to 
pay, we  must tell anyone we report you to that you have a question about your bill.  And, we  must tell 
you the name of anyone we reported you to. We must tell anyone we report you to that the matter has 
been settled between us when it finally is. 

If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bill 

was correct.  
SPECIAL RULE FOR CREDIT CARD PURCHASES  

If you have a problem with the quality of property or services that you purchased with a credit card 
and you have tried in good faith to correct the problem with the merchant, you may have the right not to 
pay the remaining amount due on the property or services. There are two limitations on this right: 
(a) You must have made the purchase in your home state, or if not within your home state, within 100 
miles of your current mailing address: and 
(b)  The  purchase  price  must  have  been  more  than  $50.  These  limitations  do  not  apply  if  we  own  or 
operate the merchant, or if we mailed you the advertisement for the property or services.  

AMERICAN SAVINGS BANK 
TRAVELAWARDS PLUSSM TERMS AND CONDITIONS 
(Effective as of 03/01/09) 
     General - TravelAwards PlusSM (“Program”) is offered at the sole discretion of American Savings Bank, F.S.B. 
(“American”, “Issuer, “we”, and “us”) for consumer credit card accounts, business credit card accounts, consumer 
checking  accounts  and  business  checking  accounts  (collectively  “Accounts”)    under  which  Visa  credit  cards 
(“Credit  Card”)  and  Visa  check  cards  (“Debit  Card”)  are  issued  by  American  (collectively  “Visa  Card”).    These 
terms and conditions apply to the individual consumer to whom an eligible Account is established and an eligible 
Visa Card is issued or to the company to which an eligible Account is established whereby Visa Cards are issued 
to one or more employees (“you” or “Cardholder”).  Under the Program, the TravelAwards Plus Account holder 
(“you”)  may  earn  TravelAwards  Plus  Points  (“Points”,  “Point”)  every  time  you  make  a  qualifying  purchase  or 
engage in a qualifying transaction with an eligible Visa Card that is enrolled in the Program. You may also earn 
bonus  Points  when  you  perform  certain  other  transactions  (“Bonus  Transactions”).      You  may  redeem  these 
Points  for  merchant  gift  certificates  or  cards,  travel  certificates,  merchandise,  and  much  more  (collectively 
“Rewards”). By participating in the Program, you agree to the following Program terms and conditions as well as 
other agreements you have with American, including, but not limited to, Deposit Account Rules, Deposit Account 
Disclosures  and  Fees,  Business  Account  Rules,  Business  Fee  Schedule,  Private  Banking  Fee  Schedule, 
Analyzed  Account  Fee  Schedule,  Visa  Card  Agreement,  Consumer  Visa®  Check  Card  and  Money  ExpressSM 
ATM Card Agreement, Visa® Business Check Card Agreement, Private Banking Platinum Visa Card Agreement, 
Business Visa Credit Card Agreement, and Equity Express Account Agreement, as applicable. 
      Eligibility; Enrollment –Visa Cards issued by American may be eligible to participate in the Program.  We 
reserve  the  right  to  determine  in  our  sole  discretion  whether  a  particular  Visa  Card  or  cardholder  is  eligible  to 
participate in the Program. To participate in the Program, you must enroll your eligible Visa Card and establish a 
TravelAwards Plus Program account (“Program Account”) to record your Point activity.  For more information, visit 
asbhawaii.com/travelawardsplus, or to enroll call us at 627-6900 on Oahu or toll-free at 1-800-272-2566 from the 
Neighbor Islands or the mainland, or visit your nearest branch.   Once you successfully enroll your Visa Card and 
establish your Program Account, you will select a User ID and Password that is required to access the Program 
website at www.travelawardsplus.com.  It is your responsibility to keep any password safe and known only to you.  
This  password  should  never  be  revealed  to  anyone  else  since  this  would  violate  the  security  of  the  Program 
Account  and  you  may  lose  the  Points  in  your  Program  Account.    We  consider  anyone  else  who  knows  your 
password to have permission to use your Program Account, unless you tell us otherwise.   
     More  than  one  Holder—This  provision  applies  only  to  Program  Accounts  held  by  individuals  and  does  not 
apply  to  Program  Accounts  held  by  a  business.    A  Program  Account  opened  in  the  name  of  more  than  one 
individual is held jointly with the right of survivorship.   If one of the two holders should die, the Program Account 
is  regarded  as  belonging  to  the  surviving  holder.    If  there  are  more  than  two  holders  and  one  should  die,  the 
Program Account remains in the names of the surviving holders.  Each holder is the agent of the other holders, 
and is authorized to redeem Points up to the accumulated Point balance of the Program Account and to close the 
Program Account.  The holders agree that each of you is responsible separately and together for all fees, charges 
or any other obligations to us.  All holders agree that if we are served with any notice of claim, lien, attachment, 
garnishment  or  any  other  court  order  or  legal  process  relating  to  any  one  or  more  of  the  Program  Account 
holders, we may proceed as though the Program Account was held solely by that holder named in the notice.  All 
holders agree to use this Program Account honestly and waive any rights and claims against American, its agents 
and assigns, which could be made because of an act of one of the holders.  In the event there is a dispute over 
the control of this Program Account, we may close the Program Account with the loss of all earned and accrued 
Points, refuse to redeem Points, or place a hold on the Program Account.  
    Linking – Program Accounts must be held in the exact same ownership as the Accounts through which Points 
are earned. Points earned through multiple Accounts may be placed into a single Program Account as long as all 
Accounts and the Program Account are held in the exact same ownership.  A Visa Card linked to your Program 
Account  is  referred  to as  a  “Linked  Card.”   American  may,  in  its  sole discretion,  determine  whether  Visa  Cards 
and/or Program Accounts will be linked or not linked and determine whether a Linked Card will be unlinked from a 
Program Account, and any such determination shall be final.   
     How Points Are Earned / Eligible Transactions – Only Qualifying Transactions with your enrolled Visa Card 
can earn Points to your Program Account. A “Qualifying Transaction” is any signature-based purchase, internet 
purchase, phone or mail order purchase, or bill payment made with an enrolled Visa card, which is processed or 
submitted  through  the  Visa  Inc.  transaction  processing  system.    You  must  sign  for  all  in-store  purchases  you 
make with an enrolled Visa Card in order for such purchases to be considered a Qualifying Transaction;  do not 
use a Personal Identification Number (PIN) when paying for your purchases with your enrolled Visa Card if you 
want to earn Points for such purchases.  Consumer and Business Credit Cards earn one Point for every dollar of 
a Qualifying Transaction. Consumer Debit Cards earn one Point for every two dollars of a Qualifying Transaction 
and  Business  Debit  Cards  earn  one  Point  for  every  dollar  of  a  Qualifying  Transaction.    Points  earned  will  be 
credited  to  your  Program  Account  on  a  monthly  basis,  generally  as  of  the  15th  of  the  month  for  the  previous 
month-end.  TravelAwards  Plus  e-Statements  are  posted  online  monthly  and  are  available  for  viewing  on  our 
website after the 15th of each month. You may request to receive a monthly email notification of the availability of 
your TravelAwards Plus e-Statement along with the link to our website at www.travelawardsplus.com where your 
e-Statement,  point  accumulation  and/or adjustments, and  current  point  balances  may  be  viewed. TravelAwards 
Plus  Statements  are  separate  and  apart  from  your  Visa  Credit  Card  Billing  Statement  and  American  Savings 
Bank Checking Account Statements.  When merchandise purchased with your American Savings Bank Visa Card 
is  returned,  any  resulting  credit  adjustment  will  produce  a  corresponding  reduction  of  Points  in  your  Program 

Account.  Points and Rewards have no cash value and may not be assigned or pledged to any third party.  You 
are responsible for any personal tax liability that may be related to participation in the Program and redemption of 
any Rewards. 
     How to Earn Bonus Points and/or Incentives 
TravelAwards Plus participants may earn bonus points and/or incentives for shopping at the TravelAwards Plus 
Online  Mall.  You  must  be  a  registered  user  of  TravelAwards  Plus.  Each  time  you  begin  your  shopping  at  our 
Online  Mall  and  use  your  American  Savings  Bank  Visa  Card,  you’ll  earn points  plus  you  will  receive  additional 
incentives such as bonus points or special merchant offers. Most purchases will qualify for bonus points however 
each merchant may not offer bonus points for all of their products and services. To determine what merchandise 
or services qualify, see the information page for each merchant for specific details. In some cases you may need 
a coupon code. If applicable, the coupon code will be given to you along with the special offer. Please allow 45-90 
days for your bonus points to appear in your Program Account. Contact us at 1-(800) 866-4090 to notify us so that 
we  may  resolve  any  discrepancy.  By  shopping  at  the  TravelAwards  Plus  Online  Mall,  you  are  agreeing  that  a 
“cookie”  can  be  written  to  your  computer  so  that  we  may  track  your  purchases  made  at  the  Mall  in  order  to 
calculate how many bonus points you earn during every shopping session. You also understand that before you 
begin shopping at our Online Mall, JavaScript must be enabled in your Internet browser.  

for 

the  Redemption  Center.  You  must  provide  us  evidence  of  payment 

There  are  other  opportunities,  in  addition  to  shopping  at  our  Online  Mall,  that  allow  TravelAwards  Plus 
customers  to earn bonus points.  Participation  in special  promotions  which  are  periodically  offered  by  American 
Savings Bank is also a means of earning points faster.  
     Ineligible Transactions / Exclusions – Visa Card Transactions that do not earn Points may include, but are 
not  limited  to,  PIN  transactions  (when  you  must  enter  your  Personal  Identification  Number),  cash  advances, 
balance 
transfers,  Automated  Teller  Machine  (ATM)  withdrawals/advances,  convenience  checks,  and 
unauthorized/fraudulent transactions. However, American has the exclusive right to offer programs where one or 
all of these transactions may become eligible for Points on a limited time only basis. 
     How to Redeem Points for Travel Related Services – Points may be redeemed for a variety of Rewards, as 
indicated in the TravelAwards Plus brochure. For a complete listing of redemption options, browse our redemption 
center  at  www.travelawardsplus.com.    Upon  making  your  selection,  you  may  redeem  online  or  by  calling  the 
American Savings Bank  TravelAwards  Plus  Redemption  Center  (“Redemption  Center”)  at 1-800-866-4090,  any 
day,  24  hours  a  day.  Travel  Certificate  redemptions  must  be  with  a  minimum  of  10,000  Points  and  additional 
increments of 2,500 – not to exceed your accumulated Point balance in your Program Account.  The appropriate 
Point redemption will be made to your Program Account when the Travel Certificate is issued, and the appropriate 
amount  will be  credited  to  your Account  when  you  have  provided us  sufficient  proof  of  travel.  Make  your  travel 
arrangements  and  pay  using  your  American  Savings  Bank  credit  card  or  check  card,  and  when  your  travel  is 
completed,  contact 
travel 
arrangements/reservations  with  the  travel  provider,  your  Program  Account  number,  your  signed  original  Travel 
Certificate,  and  a  daytime  telephone  number.  Please  allow  1-2  weeks  for  the  credit  to  be  processed  to  your 
Account.  Travel certificates are good for one year from their date of issue. In our sole discretion, we may decline 
to fulfill any particular request.    
     How  to  Redeem  Points  for  Merchandise,  Gift  Cards/Certificates  or  Bonus  Rewards  –Points  may  be 
redeemed for a variety of Rewards, as indicated in the TravelAwards Plus brochure. For the most updated and 
complete  listing  of  redemption  options,  browse  our  redemption  center  at  www.travelawardsplus.com.    Upon 
making your selection, you may redeem online or by calling the Redemption Center at 1-800-866-4090, any day, 
24 hours a day. All redemptions are sent to the billing address on the account or to the address provided by you 
when the redemption is made online. The minimum number of Points needed to redeem for merchandise is 2,500 
with the exception of music and ringtone downloads which are available starting at only 750 points. Also some gift 
cards/certificates are available with redemption of less than 2,500 points. The most complete and updated Point 
redemption levels can be found on the website at travelawardsplus.com. Unless otherwise indicated, points may 
be redeemed only in increments of 2,500, not to exceed your accumulated Point balance in the Program Account.  
In  our  sole  discretion,  we  may  decline  to  fulfill  any  particular  request.  Shipments  for  Bonus  Rewards  and 
Merchandise cannot be made to a Post Office Box, APO address, or outside the 50 United States.  Shipments for 
gift  cards/certificates  cannot  be  made  outside  the  50  United  States.  Shipping/delivery  times  vary  and  are 
dependent upon your selected Reward. For merchandise, UPS or USPS will usually deliver your item within 2-4 
weeks. For gift cards/certificates, please allow 7 – 10 business days for delivery. Gift cards/certificates may not be 
returned for any reason. You, as a Cardholder, have sole responsibility for any charges over and above the stated 
value of any gift card or gift certificate. For all redemptions, you must report to us within 30 days of making your 
redemption if you have not yet received any of the items that you requested. After this 30-day period expires, we 
will  not  be  responsible  for  any  redemption  items  that  were  shipped  and  not  received  by  you.  A  rewards 
merchandise  item  may  only  be  returned  in the  event  it  arrives  in  defective or  damaged  condition,  and  must be 
returned in the original packaging within 30 days of receipt. Instructions on how to return defective or damaged 
items are usually included with your merchandise or you may contact the Redemption Center for instructions.  For 
returns of items that are not damaged, please inquire with the Redemption Center. Return shipping charges must 
be  paid by the participant  in addition  to a $30.00  restocking fee.  Item(s)  must be  returned  in an  unopened and 
unused  condition  within  30  days  of  receipt  and  must  include  all  original  packaging.  All  Rewards  are  subject  to 
availability.  Rewards items may be discontinued or withdrawn without notice.  Should an item be discontinued, it 
will be replaced with an item of equal or greater value or you will be advised of the unavailability so that you can 
make  an  alternate  selection.  For  more  information  on  bonus  rewards,  merchandise,  and  gift  cards/certificates, 
please visit our website or call the Redemption Center at 1-800-866-4090.   
     Immediate Family Redemption.  Immediate family members, up to a maximum of four, residing in the same 
household  who are each American Savings  Bank’s  TravelAwards  Plus  Visa  cardholders  may  together  combine 
redeemable Points towards Rewards for one or more of the four immediate family members.  Immediate family 
members  are  limited  to  parents,  spouse  or  reciprocal  beneficiary,  and  children.    American  may,  in  its  sole 
discretion,  determine  whether  to  fulfill  or  decline  any  request  to  combine  redeemable  Points,  and  any  such 
determination shall be final.   
     Points Expiration – Points accrue monthly and are valid for seven (7) years. Points unredeemed seven years 
after accrual are automatically forfeited. Redemption utilizes Points in the order in which the Points are earned. 
You are not entitled to compensation from us or any other entity when your Points expire. 
     Loss  of  Points  /  Refuse  Redemption  –  Only  you,  the  Program  Account  holder,  is  able  to  redeem  Points.  
Any Points subtracted from your Program Account may reduce or eliminate accumulated Points and may result in 
a  negative  Point  balance.    If  such  subtractions  are  applied  to  your  Program  Account  after  a  Reward  for 
redemption  has  been  selected  that  reduces  your  Point  balance  below  the  amount  required  for  such  Reward 
redemption, we may suspend delivery of the requested Reward.  If your Program Account has a negative Point 
balance, any newly earned or accrued Points will be used to offset such negative Point balance until such balance 
has been brought to zero.  And, if your Program Account shows signs of fraud, abuse or suspicious activity, you 
may  lose  your  accumulated  Points,  and  we  may  close  your  Program  Account  immediately.    Points  are 
redeemable on the Program Account only when the Debit Card Account is in open status with checking accounts 
carrying a positive balance and/or the Credit Card Account has an open and current status. American may refuse 
redemption  of Points for any Program  Account where  the  related  Accounts are  over  the  credit  limit,  overdrawn 
and/or past due. Immediate loss of all earned and accrued Points occurs on Visa Cards and Accounts that are 
closed,  charged  to  loss,  or  where  the  Account  owner  files  bankruptcy.  In  the  event  of  a  dispute  over  the 
ownership or control of any Program Account, we may close the Program Account with the loss of all earned and 
accrued Points, refuse to redeem Points, or freeze the Program Account.  
     Termination of Participation – American Savings Bank has the right in our sole discretion to terminate your 
participation  in  the  Program  and  close  your  Program  Account  at  any  time  with  or  without  cause  or  reason.  
Subject  to  the  Program  Terms  and  Conditions,  you  may  terminate  your  participation  in  the  Program  and  close 
your Program Account at any time.  American will not be responsible for problems caused because you closed 
your Program Account.  If your participation in the Program is terminated by you or American, all of your earned 
and accrued Points are forfeited and are not transferable.  If your participation in the Program is terminated and 
your Program Account is held by you and other individuals, the Points in the Program Account will remain with the 
remaining  individuals  who  hold  the  Program  Account.  If  your  Program  Account  consists  only  of  rewards  Debit 
cards, American Savings Bank has the right to terminate your Program Account if there are no points earned or 
posted to your Program Account for a consecutive six-month period. If this should occur, any earned and accrued 
Points are forfeited and are not transferable. 
     Additional Terms and Conditions – Point Redemption is by: a) Travel Certificate (credit to your Account) and 
only  holds  value  for  travel  related  services;  and  b)  Merchandise,  Gift  Cards/Certificates,  Music  and  Ringtone 
Downloads, and Bonus Rewards. Travel Certificates expire one year after their date of issue, and have no cash 
value and are  not  redeemable for  cash. American  Savings  Bank,  its  agents or  assigns, are not  responsible for 
lost,  misplaced,  or  stolen  travel  certificates,  gift  cards  or  certificates,  and  correspondence  or  other  documents.  
Credit for unused portions of travel certificates will not be issued or credited back to the Program Account should 
the value of the completed travel service be less than the value (implied or otherwise perceived) of the redeemed 
Points.    American,  its  agents  and  assigns,  are  not  responsible  for  TravelAwards  Plus  electronic  or  paper 
statement  errors  and  omissions  due  to  computer  error,  late  or  incorrect  data  transmissions,  travel  certificates 
issued based on your request which contained errors or was not properly requested by you, or any other errors 
and  omissions  performed  by  other  than  American,  its  agents  or  assigns.  Some  transactions  may  not  be 
automatically  credited  to  your  TravelAwards  Plus  Account.    You  release  us,  our  affiliates,  agents,  and  assigns, 
and any merchants participating in this Program from all liability regarding the redemption and use of Rewards, 
including any Rewards that may be lost, stolen or destroyed. 
     Affiliations – The TravelAwards Plus Program is offered by American Savings Bank, a federal savings bank, 
through its affiliation with RewardsNOW!, a New Hampshire corporation. From time to time, the Program will allow 
travel agencies to provide travel related services. However, American is not responsible for offerings, conduct, or 
restrictions of those travel agencies. Also from time to time, Program offers will include bonus rewards provided 
by participating local (within the State of Hawaii) and non-local (outside the State of Hawaii) vendors, merchants 
and  service  providers.  American,  its  agents  and  assigns,  make  no  warranties,  representations  or  guarantees, 
implied or otherwise, as to the quality of any rewards or services, whether provided by local or non-local vendors, 
merchants and service providers. American is not a licensed travel agent. If you shop at the TravelAwards Plus 
Online Mall, you acknowledge that American has neither made, nor is in any manner responsible or liable for any 
warranty, representation or guarantee, express or implied, including but not limited to, the quality of the vendor’s 
product(s)  or  service(s)  purchased.    You  acknowledge  that  American  is  not  warranting  any  of  the  work  and/or 
materials provided by the vendor you select, and that you should conduct your own due diligence (for example, 
checking with the Better Business Bureau and the Department of Commerce and Consumer Affairs of the State of 
Hawaii) on the vendor from which you purchase. 
     Rates and Fees – Rates and fees for use of your Credit Card and Debit Card apply.   Please see your Visa 
Card  Agreement,  Consumer  Visa®  Check  Card  and  Money  ExpressSM  ATM  Card  Agreement,  Visa®  Business 
Check Card Agreement, Business Visa Credit Card Agreement, Private Banking Platinum Visa Card Agreement, 
Equity  Express  Account  Agreement,  Deposit  Account  Disclosures  and  Fees,  Business  Fee  Schedule,  Private 
Banking Fee Schedule, and Analyzed Account Fee Schedule, as applicable, for information on applicable rates 
and fees on your Credit Card and Debit Card.  
      Transfer of Points / Other Rewards Programs – Program Points are not transferable/may not be assigned, 
pledged, or transferred to another Program Account, other participating cardholders, Account beneficiaries, or any 
other third party.  Program Points may not be combined with or transferred to other reward programs offered by 
other companies/institutions.  American may combine or incorporate the Program with promotions, programs, or 
products that may be offered by American from time to time. 
     Program  Rule  Changes  /  Program  Termination  –  Subject  to  State  and  Federal  laws  and  regulations, 
American may add new Program rules or change these Program rules at any time, without prior notification.  We 
may  choose  not  to  give  you  advance  notice  if  it  involves  the  security  of  the  system  of  your  Program  Account.  
Changes  may  include,  but  are  not  limited  to  Point  accrual,  redemption  thresholds,  redemption  levels  and 
procedures,  annual  fees,  and  program  aspects/offers.      American  may  terminate  this  Program  or  any  portion, 
without further recourse, provided that reasonable notice is given to the Program participants. You may access 
continuously  updated  TravelAwards  Plus  Terms  and  Conditions  at  www.travelawardsplus.com  in  order  to  have 
the most current information regarding the program.    

VISA-100 (Rev. 10.10) 

 
 
 
 
 
Visa® Credit Card Disclosures 

Interest Rates and Interest Charges 

Annual Percentage Rates (APRs) for 
Purchases, Cash Advances and Balance 
Transfers 

How to Avoid Paying Interest on Purchases 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 

Annual Fees 

16.25% 
15.90% 
13.50% 
15.00% 

Classic or  
TravelAwards PlusSM Classic Visa 
Gold or  
TravelAwards PlusSM Gold Visa 
Secured or 
TravelAwards PlusSM Secured Visa 
Student Secured or TravelAwards 
PlusSM Student Secured Visa 
Your due date is at least 25 days after the close of each billing period.  
We will not charge you any interest on purchases if you pay your entire 
balance by the due date each month.  We will begin charging interest on 
cash advances and balance transfers on the transaction date.   
To learn more about factors to consider when applying for using a credit 
card, visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore 

None:    Classic, Secured, or Student Secured Visa 
$24.00:  TravelAwards PlusSM Classic, TravelAwards PlusSM                  
              Secured, or TravelAwards PlusSM Student Secured Visa 
$25.00:  Gold Visa 
$50.00:  TravelAwards PlusSM Gold Visa 

Transaction Fees 

(cid:121)  Balance Transfer 

(cid:121)  Cash Advance 

3% of cash advance amount ($5.00 minimum fee) 

3% of cash advance amount ($5.00 minimum fee) 

(cid:121)  Foreign Transactions 

2% of transaction amount 

Penalty Fees 

(cid:121)  Late Payment   

(cid:121)  Returned Payment 

(cid:121)  Collection Costs 

Other Fees 

(cid:121)  Duplicate Drafts 

Up to $35.00 

Up to $20.00 if your payment from a non-American Savings Bank 
account is returned unpaid 

Cost of collection permitted by law including reasonable attorneys’ fees 

$2.00 per copy requested 

(cid:121)  Statement Reconciliation 

$10.00 per half hour 

(cid:121)  Research Request 

$10.00 per half hour 

(cid:121)  Card Replacement 

First replacement free 
$15.00 for each additional replacement card  

How We Will Calculate Your Balance 
We use a method called “average daily balance (including new purchases),” see your account agreement for details. 

Billing Rights 
Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement and 
on the back of your monthly billing statements. 

Additional Disclosures for Secured Visa and Student Secured Visa Cards 
The initial minimum balance under your pledged Statement Savings account must be the greater of $500 or an amount equal to 
your credit limit for a Secured Visa, or the greater of $330 or an amount equal to 110% of your credit limit for a Student Secured 
Visa. The amount pledged is not available for withdrawal.  Your pledged Statement Savings account will earn interest at our 
prevailing Statement Savings rate. 

The information about the cost of the cards described above is accurate as of March 1, 2012. This information may have 
changed after that date. To find out what may have changed, write us at: American Savings Bank, Attn: Visa Department, P.O. 
Box 2300, Honolulu, Hawaii 96804-2300, or call our Customer Banking Center at 627-6900 on Oahu or 800-272-2566 from the 
Neighbor Islands and Mainland.