Your First Choice in Financial Services A dependable resource for generations

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1 Your First Choice in Financial Services A dependable resource for generations America First Credit Union played an integral role in shaping the financial landscape of the West, and we are proud to provide the highest-quality products and services to meet your business needs and the complete needs of your employees in your community. Our humble origins in 1939, 59 people at Fort Douglas in Salt Lake City, Utah pooled their funds to improve the economic health of one another and steadfast adherence to the principles of thrift, affordability, and people helping people have made us one of the nation s strongest, largest, and most progressive credit unions. We ve established a 75-year tradition of financial excellence at America First, and we are proud to welcome your business, and those who work to make you succeed, to our financial family. From Southern Nevada to Northern Utah whatever the size of your business or organization we are your first choice: Seventh largest credit union in the country Extensive branch network with 105 offices Backed by nearly $6 billion in assets Consistently rated one of the most sound institutions in the area Quality service that is unmatched in the industry By taking advantage of all America First members share, you will always find a supportive, dependable partner in achieving financial success.

2 Your Business & Your Future Products that make smart money sense Whether your business is a small mom & pop shop or one of the region s largest firms, you need the resources and expertise of a leading financial institution. Consider us your first choice. From Commercial Real Estate and SBA loans, to the finest in checking accounts, Business Visa Credit & Debit cards, and more, we re committed to providing you with the resources you deserve to attain your goals. And you ll have the strength of an organization you can trust. America First is dedicated to helping companies and their people find financial success exactly what you need in a business relationship. Is there a better word in business than free? With business membership in America First Credit Union, you ll have access to a host of services and benefits that don t make a single, solitary mark on your bottom line: Free checking with 250 transactions or less Free Online & Mobile Banking Free Business Bill Pay, up to 15 a month Free access to over 43,000 ATMs worldwide Free notary services Free cashier s checks Free telephone banking, 24/7 Free online tools & planning guides And more Did we mention that all of these benefits are free?

3 Because one-size-fits-all business checking and merchant accounts are not options When you re doing business with America First, you re choosing accounts that fit according to your unique needs, operating schedule, and cash-flow management. We offer: Free Business Checking For smaller enterprises and qualifying non-profit organizations & associations. 250 free transactions per month (deposits, items deposited & written checks) $.15 each transaction over 250 Analyzed Business Checking For higher volumes. More than reasonable rates for over 250 transactions plus, you ll receive earnings credits toward accrued fees $8 per month $.15 per deposit Money Market Checking For those seeking higher dividends and the best in accessibility & flexibility. Earns investment-level returns $50 per month $.15 per deposit $.05 per item deposited $.15 per check written Merchant Accounts Welcome your customers with credit card processing services from America First. Establish your ability to accept card payments, manage your retail offerings, utilize the mail and phones to do business, take control of your e-commerce sales, and more And, because you have a not-for-profit financial institution as your primary resource, there are never any fees for America First transfers or electronic transactions between our accounts. In addition, business checking accounts at your credit union come with our premier and free rebates and discount programs, ABC Deals and Member Deals. For details, visit americafirst.com.

4 What about financing, the security of the SBA, and other kinds of credit? Without question, your business needs a diverse range of low-rate & flexible loans to maximize your earnings. Consider our U.S. Small Business Association (SBA) offerings: 7(A) Loans & Express Lines of Credit Business Express Lines of Credit Secured Business Express Lines of Credit Patriot Express Lines of Credit 504 Loans Real estate Large machinery & equipment We also understand your business operates differently than anyone else s. Which is why our lines of credit provide you with access to cash when you need it most. Business Checking Overdraft Unexpected expenses are bound to happen and we can help protect you with this line that makes avoiding costly overdraft fees a snap. Limits up to $15,000 Competitive rates Payments of $25 or 3.5% of the balance, whichever is greater SBA Secured Line of Credit Backed by your collateral and providing liquidity, as well as access to a larger cash resource. Seven-year loans For more substantial capital requirements, usually from $50,000 to $100,000 Interest-only payment options SBA Unsecured Line of Credit This product offers a higher limit than your overdraft protection, has friendly terms and great flexibility. Limits from $15,000 to $50,000 Interest-only payments for the first three years Working capital for inventory, supplies, advertising & more

5 Further, we offer excellent terms and features on unsecured capital loans when collateral is not immediately available. Revolving Line of Credit Help your business keep pace with this product, perfect for short-term cash flow. Limits from $15,000 to $50,000 Interest-only payments the first three years Easy to tap into when you need the funds Term Loans No revolving balances, open-ended terms, or fluctuating payments. 60-month repayment schedules Loans up to $15,000 Low rates And if you re looking to purchase a franchise or fulfill the dream of opening your own independent business, America First has the financing solution that s right for you. Business Acquisition/Franchise Loans Create your legacy. Competitive terms, rates & fees Applicable to SBA-eligible franchises Experts to assist every step of the way Many businesses are built on real estate, vehicles & equipment our loans can help America First has the experience, expertise, and energy to help you find financing for a wide array of business purposes. And we ll deliver them with the best in member service, attention to detail, and so much more. Commercial Real Estate Loans For the land you ll need to build success. Competitive rates & terms Quick turnaround times Flexible options

6 Business Vehicle Loans Driving your company toward your goals. Up to 72-month terms 20% down payments For vehicles weighing up to one ton Conventional Commercial Vehicle Loans Do you need a top-shelf fleet? If so, you can trust America First to have loans that keep your enterprise moving. Affordably finance trucks weighing over one ton, commercial trailers & vans Loan terms up to 72 months Good rates with a 20% down payment Equipment & Machinery Loans Get what you need to maximize productivity and profits. Available for all types of businesses Terms of seven years and longer No pre-payment or annual fees The convenience and purchasing power of using Visa for your business Paying for your everyday business expenses is simple and secure when you choose Visa from America First. We re sure to have one that fits. Business Platinum Visa with rewards & cash-back options and no annual fees Business Classic Visa with rewards or cash back Business Visa debit Free rebates & deals programs The business world moves fast we re here to help you keep pace From free Business Bill Pay, to seamless automated clearing house (ACH) origination, to the convenience of direct deposit and Mobile Merchant, America First gives you the tools you need to make efficiency a hallmark of your company.

7 Business Bill Pay 15 free payments every month only $1 thereafter Enroll online Simple registration Easy to use ACH Origination Direct deposit for your employees Collect monthly dues from customers $100 set-up fee $10 per file (one payday) $.10 per transaction (per employee/customer) Business Wires Domestic $15 outgoing; $10 incoming International $30 outgoing & incoming Protecting your company & what you ve worked so hard Being in business means you ve always valued good advice about insurance & investments to preserve the foundation of your organization. By choosing America First, you ll have the MEMBERS Financial Services Program right on-hand and on-site to provide expert guidance in these essential areas. Evaluating comprehensive insurance needs Managing wealth Creating income from assets Funding education for your team or dependents Mutual funds, stocks, bonds, unit investment trusts Annuities & trust services Managed accounts And more Mobile Merchant We are proud to be a partner with itransact, the leading provider of mobile payment services in the market and the best way to ensure you never miss a sale! The America First Mobile Merchant app and your Apple or Android device can take payments when you sign up for The Dot card reader.

8 It s free for America First business account holders, it s simple to install & use, and it definitely makes your company more accessible. There are three options: The Dot for $2,500 or less in transactions every month The Dot Plus for $5,000 or less in transaction totals per month The Dot Traditional for more than $5,000 in transactions monthly Business Remote Deposit Scan your deposits from your office or your home $25 per month Files posted twice daily And, of course, your organization will benefit from our leading and free Online Banking and Mobile Banking services. Increase your employee productivity with added benefits Your team can save for retirement, medical costs, and other short and long term needs with our premier products. Individual Retirement Accounts (IRAs) Investing in an IRA is easy and always a good idea. We have the following options: Basic IRA accumulators (IRA savings accounts) Traditional, Roth, and Coverdell accounts IRA certificate accounts Health Savings Accounts (HSAs) The ability to put away resources for future medical expenses. Direct Deposit Who wants to waste time and money traveling to take care of their paychecks? Money Market Savings, Dedicated Savings, Certificate Accounts, Wedding Savings & Coverdell Education Savings The building blocks of a bright financial future are right here for those who are working to make your business excel. *This credit union is federally insured by the National Credit Union Administration. All loan products and services are on approved credit, subject to change, terms & applicable conditions. America First is an Equal Housing & Opportunity Lender.

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