A Visa® Gold card from American Savings Bank opens up a world of exclusive privileges. Along with the security, reliability, and convenience you expect from Visa, a Visa Gold card offers the advantage of higher spending limits and an array of special benefits.

Plus sign up for the optional TravelAwards PlusSM Program and earn valuable points whenever you use your card to make a purchase. Use your points for free or discounted travel, gift cards/certificates from local merchants and free brand name merchandise.

What’s more, American Savings Bank Visa Gold accounts are owned and serviced in Hawaii. So you can call us without having to worry about time zones.

	Highlights Below > Benefits You’ll Receive > Additional Gold Benefits > Fast Facts > More Privileges...

Benefits You’ll Receive1

• Free online access to your account
• Access to account information through AccountAbilitySM bank-by-phone service
• Save and Earn rewards - Visa Rewards Online and TravelAwards Plus (optional)
• Worldwide acceptance
• Zero Liability policy on unauthorized transactions1
• Up to $500,000 common carrier travel accident insurance
• Free emergency travel assistance services
• Auto rental insurance at no additional cost

Additional Gold Benefits

• Free 90-Day Purchase Security
• Warranty Manager Program
• $500,000 Travel Accident Insurance
• Visa's Pre-Trip Assistance Service
• And more...

	Fast Facts
	Interest Charge Fixed interest rate
	Monthly Payments Flexible payment schedule - pay total due, portion of the balance, or as little as 3% of the new balance amount May be made automatically

1. Certain restrictions, limitations, and exclusions apply. For complete program details, see the Visa Gold Card benefits at Visa.com.
2. There may be additional charges, such as a late fee or an over-limit fee, and service fees. Please see your Visa Gold card agreement for details.

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Privileges for Visa Gold Cardholders

Cash When You Need It

• Cash advances — Available at any of our branches, worldwide at ATMS displaying the Visa logo, and from more than 400,000 Visa® member offices; up to $250 cash advance per stay from participating hotels around the world.
• Guaranteed check cashing — Cash personal checks for up to $200 a day at participating hotels.
• Emergency cash — Up to $5,000 from over 10,000 emergency service locations and Western Union offices, and through wire transfer services.
• Purchase protection — Most personal items purchased with your Gold card will be protected from theft and many types of damage, worldwide, by a 90-Day Purchase Security Program. Extended Protection Program can double manufacturers' warranties, up to an additional year on warranties of three years or less.

Protection When You Travel

• Travel insurance — When you purchase your tickets on any licensed common carrier, you and your family are covered up to $500,000 of Travel Insurance, at no additional charge to you.
• Auto rental Insurance — Automatic coverage for the full value of your rented automobile in the event of collision, theft, or vandalism.
• Travel information — Health precautions, weather reports, currency exchange, visas, immunizations, and other travel information are available through Visa’s Pre-Trip Assistance service.

If You Need Legal Help

• Legal referral services — Referrals to local attorneys and U.S. embassies and consulates. The service follows up and maintains communication with your family.

If You Need Medical Help

• Emergency medical assistance — Referrals to qualified physicians and facilities, monitoring of your medical condition, and communication with your family. Where authorized, medical payments are arranged and guaranteed.
• Prescription assistance and document delivery — Assistance with filling your prescription at the nearest location. Courier delivery can be arranged if valuable documents are needed.

Additional Emergency Services

• Emergency assistance — Toll-free help from the Visa International Assistance Center anytime 24 hours a day.
• Lost Visa card — Replacement within 24 hours if your card is lost in the US or Canada. Elsewhere, cards can be replaced within one business day.
• Lost tickets — Pickup or delivery of replacement tickets and help with the procedures for reimbursement if needed.
• Emergency messages — 24-hour service center available to receive automated messages.