Working together to build successful businesses

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1 AA Credit Union is one of the largest and strongest not-for-profit financial institutions in the country. Now, after 75 successful years of serving our member-owners and helping them achieve their financial goals, we proudly extend high quality and personalized financial products and services to our member-owners who own businesses. Working together to build successful businesses Take a look at the products we offer our Business Account owners and some of the many benefits you ll enjoy when you open an account with AA Credit Union. AA CREDIT UNION IS HERE FOR YOUR BUSINESS Business Checking No Monthly Service Fee and Dividends Paid First 100 deposited & paid items free Free Business Visa CheckCard with Zero Liability Protection Overdraft protection options that include: o Account Transfers from Business Savings o Overdraft Line of Credit Additional Zero-Balance Checking Accounts Business Savings No Monthly Service Fee and Dividends Paid First 10 deposited & paid items free Visa Business Platinum Credit Card No Annual Fee No Balance Transfer Fee Low Rates o 0% on purchases and balance transfers for 6 Loans months o Competitive, low rate of 8.74% to 14.74% APR after the introductory period Connection Points Rewards Free Cards for Employees Track Expenses & Rewards online Vehicle - Finance vehicles for business purposes new or used autos, aircraft, vessels Equipment - Our business equipment loans will help keep your business competitive. Real Estate - finance commercial real estate or a residential investment property Line of Credit For short-term cash needs YOU VE GOT BUSINESS NEEDS. WE VE GOT BUSINESS SOLUTIONS. Online Banking & Bill Pay Take advantage of secure, round-the-clock access to your account information. View all your accounts access and print transaction histories anytime you want without waiting for a mailed statement. Control which bills get paid and when Online Deposit (deposit checks remotely) Mobile Banking Text (SMS) banking Mobile Browser Download the AA Credit Union application Automated Clearing House (ACH) Transactions Our ACH services are 50% to 75% cheaper than other financial institutions Move funds among accounts or send payment related information to trading partners. Wire Transfer Fast, convenient, and low-cost Convenience of national and international wires for your business accounts. Provide security for the funds you have entrusted with our institution. Convenience Free withdrawals at more than 28,000 ATMs nationwide Access to more than 4,300 Shared Branch/Credit Union Service Centers * Sm all b usin ess ow n ers m ust h ave at least t w o year s b usin ess hist o ry t o b e eligib le f or a b usin ess lo an. Sp eak w it h a Busin ess Services Rep r esen t at ive f or m o r e d et ails. * * An n ual Per cen t age Rat e. Acco un t m ust b e o p en ed b y 6/30/2012 t o q ualif y f o r t h e int ro d uct o ry APR o f 0% t h at ap p lies t o p ur ch ases an d b alan ce t r an sf ers p o st ing t o t h e acco unt w it h in t h e f irst six (6) b illing cycles f r o m accoun t o p en in g. On t h e 7t h b illin g cycle, t h e in t ro d uct o r y 0% APR w ill ad just t o t h e st an d ar d APR on yo ur accoun t, curr en t ly 8.74% t o 14.74% This Cr edit Union is f eder ally insur ed by t he Nat ional Cr edit Union Adm inist r at ion.

2 NEW UPDATE DATE: Business Account Card IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING AN ACCOUNT To help the government fight the funding of terrorism and money-laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person or business that opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth (if applicable) and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. CHOOSE PRODUCTS FOR YOUR BUSINESS ACCOUNT (Savings and Checking account required) Share/Savings: Suffix* Zero Balance Checking Share draft/checking: Other: *The account number for each of the accounts listed above consists of the suffix added to the end of the Member Number listed below. If this card applies to more than one account of the same type, more than one suffix will be listed for that account type. ACCOUNT SERVICES Overdraft Protection: CUAcce$$ (Internet Banking): CheckCard: Savings: Access my account No. of Cards: Overdraft Line of Credit: * Access my Personal/Business account(s) Wire Transfers (*Must complete Business Loan Application) Joint Account#: ACH Joint Account#: Other: BUSINESS MEMBER/ACCOUNT OWNER INFORMATION Name of Business or Sole Proprietor: Business Member/Account Number: Other Trade or DBA Names: Suffix* Type of Entity: C Corporation LLC (Limited Liability Company) Partnership Unincorporated Organization S Corporation Select Tax Classification: General Association/Club Sole Proprietorship C = C Corporation Limited True Estate S = Corporation Limited Liability Other: P = Sole Proprietorship ACCOUNT INFORMATION State Organized EIN or SSN if Sole Proprietorship Date Business Established Trade License Number (if applicable) Issuance Date Expiration Date State Issued Mailing Address Physical Address Business Phone Other Phone Web Site Address/ Nature of Business Number of Employees (Including owners) NAICS Code, if known Multiple Locations If yes, please provide a list of other locations. Seasonal PRINCIPAL/CONTACT INFORMATION 1 Are you a U.S. citizen? Yes No If no, are you a permanent resident alien or non-resident alien? Yes No If this business is not your primary occupation, please list primary occupation and employer: Are you an owner? If yes, ownership % Are you an authorized signer? Gov t.-issued ID with Picture Place of Issuance Issuance Date Expiration Date If an Owner, and not currently an AA Credit Union Member, please complete the following Eligibility Information: (1) I am an employee/retiree of AMR (i.e. AA, American Eagle) LSG Sky Chefs Worldwide Flight Services CUNA MUTUAL GROUP, 2005, 08, ALL RIGHTS RESERVED DTPQ3 (DB110A)-e

3 (3) I am an employee/retiree of the Air Transportation Industry*: * Employees of retail shops, restaurants, hotels, travel agencies and rental car companies are Employer s/organization s Address Employer s/organization s Phone PRINCIPAL/CONTACT INFORMATION 2 Are you a U.S. citizen? Are you an owner? Gov t.-issued ID with Picture If no, are you a permanent resident alien or non-resident alien? If yes, ownership % If this business is not your primary occupation, please list primary occupation and employer: Are you an authorized signer? Place of Issuance Issuance Date Expiration Date If an Owner, and not currently an AA Credit Union Member, please complete the following Eligibility Information: (1) I am an employee/retiree of AMR (i.e. AA, American Eagle) LSG Sky Chefs Worldwide Flight Services (3) I am an employee/retiree of the Air Transportation Industry*: * Employees of retail shops, restaurants, hotels, travel agencies and rental car companies are Employer s/organization s Address Employer s/organization s Phone PRINCIPAL/CONTACT INFORMATION 3 Are you a U.S. citizen? If no, are you a permanent resident alien or non-resident alien? If this business is not your primary occupation, please list primary occupation and employer: Are you an owner? If yes, ownership % Are you an authorized signer? Gov t.-issued ID with Picture Place of Issuance Issuance Date Expiration Date DTPQ3 (DB110A)-e

4 If an Owner, and not currently an AA Credit Union Member, please complete the following Eligibility Information: (1) I am an employee/retiree of AMR (i.e. AA, American Eagle) LSG Sky Chefs Worldwide Flight Services (3) I am an employee/retiree of the Air Transportation Industry*: * Employees of retail shops, restaurants, hotels, travel agencies and rental car companies are Employer s/organization s Address Employer s/organization s Phone PRINCIPAL/CONTACT INFORMATION 4 Are you a U.S. citizen? If no, are you a permanent resident alien or non-resident alien? Are you an owner? If yes, ownership % Are you an authorized signer? Gov t.-issued ID with Picture Place of Issuance Issuance Date Expiration Date If this business is not your primary occupation, please list primary occupation: If an Owner, and not currently an AA Credit Union Member, please complete the following Eligibility Information: (1) I am an employee/retiree of AMR (i.e. AA, American Eagle) LSG Sky Chefs Worldwide Flight Services (3) I am an employee/retiree of the Air Transportation Industry*: * Employees of retail shops, restaurants, hotels, travel agencies and rental car companies are Employer s/organization s Address Employer s/organization s Phone # DTPQ3 (DB110A)-e

5 *Additional Principals? Please add information to back of Business Account Card or attach a separate sheet. Who are your targeted customers? Do you issue or redeem Money Orders? Travelers Checks? Stored Value Cards (gift cards, phone cards, etc.)? Do you exchange currency for clients? Do you cash checks for your clients? Do you transmit money for your clients? Does your business offer gambling/internet gambling services? If yes, is your business licensed to offer gambling services? CURRENT BANKING RELATIONSHIPS Account Summary Financial Institution Balance Comments Checking: Monthly fees: Savings: Rate: Loans/Lines of Credit: Rate: Term: Payroll Services: Merchant Services: Other Services: DETERMINING SERVICE NEEDS How much do you typically keep in your: Business accounts? Personal accounts? Cash: Will you be depositing cash on a regular basis with teller? If yes, how much monthly? How many times monthly? What is the largest single cash deposit amount you expect? Will you be making cash ATM withdrawals regularly? If yes, how much monthly? How many times monthly? Amount to be withdrawn monthly: Domestic: International: Will you be using ATM to deposit cash? If yes, how much monthly? How many times monthly? Why do your clients pay by cash? Checks: How many checks monthly do you: Write for your business? Deposit into your business account? ACH Transfers: Will you be conducting domestic ACH transfers? If yes, how many monthly? Incoming Outgoing Will you be conducting international ACH Transfers? If yes, how many monthly? Incoming Outgoing If international which country(ies) If conducting international ACH transfers, what is largest estimated single ACH transfer Incoming? Outgoing? What is the total dollar amount of foreign ACH transfers expected monthly Incoming? Outgoing? Wire Transfers: Will you be sending or receiving domestic or international wire transfers? If yes, how many wires monthly? Incoming domestic Outgoing domestic Incoming foreign Outgoing foreign If yes, dollar amount monthly? Incoming domestic Outgoing domestic? Incoming foreign? Outgoing foreign? If international, which country(ies) Monetary Instruments: Will you be purchasing monetary instruments such as traveler s checks or gift checks from AA Credit Union? If yes, how many monthly? Estimate dollar amount monthly Do you own, operate or service ATM machines? If yes, the following information must be provided before opening the account (attach an additional sheet to profile): Source of funds being withdrawn The number of ATMs, the sizes and the location of each machine Currency delivery arrangement, if applicable Will you need us to provide cash/change orders to run your business? If so, how much/how frequently? Will you use this branch location primarily for your financial servicing needs? If not, which branch would you be using? DTPQ3 (DB110A)-e

6 TIN CERTIFICATION AND BACKUP WITHHOLDING INFORMATION Under penalties of perjury, the undersigned certifies on behalf of the Account Owner that: (1) The number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued), and (2) The Account Owner is not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding, and (3) The Account Owner is a U.S. citizen or other U.S. person. For federal tax purposes, the Account Owner is considered a U.S. person if the Account Owner is: an individual who is a U.S. citizen or U.S. resident alien; a partnership, corporation, company, or association created or organized n the United States or under the laws of the United States; an estate (other than a foreign estate); or a domestic trust (as defined in Regulations section ). Certification Instructions. Cross out item 2 above if you have been notified by the IRS that you are currently subject to backup withholding because you have failed to report all interest and dividends on your tax return. Cross out item 3 and complete a W-8 BEN if you are not a U.S. person. AUTHORIZATION Signature(s) of an authorized person is/are required to transact business. (The signature of only one (1) authorized signer is required if the foregoing blank is not completed.) (a) The financial institution shall require, as a condition of opening or maintaining a business checking account, that the applicant or account holder provides: (1) if the business is a sole proprietorship: (A) the name of the business owner (B) the physical address of the business (C) the home address of the business owner and (D) the driver's license number of the business owner or the personal identification card number issued to the business owner by the Department of Public Safety or (2) if the business is a corporation or other legal entity: a copy of the business' certificate of incorporation or a comparable document and an assumed name certificate, if any. (b) The financial institution shall request that the account holder inform the institution at least annually of any changes in the information the institution is required to obtain under Subsection (a). On behalf of the Account Owner, the undersigned apply(ies) for membership in the Credit Union, and acknowledge(s) receipt of and agree(s) to the terms of this Business Account Card, the Business Membership and Account Agreement, the Funds Availability Policy Disclosure, and additional documents and disclosures the Credit Union has provided, as amended from time to time, and as applicable to the accounts and services requested herein. The undersigned also agree(s) to promptly notify the Credit Union in writing of any changes to the information contained in this document. The Internal Revenue Service does not require your consent to any provision of this document other than the certifications required to avoid backup withholding. AUTHORIZATION FOR MEMBERSHIP UPDATES On behalf of the account owner, the undersigned agree(s) that the changes noted herein amend the previously signed Business Account Card. The undersigned also acknowledge(s) receipt to the agreement to the Funds Availability Policy Disclosure and other disclosures, as applicable, for accounts and services requested above FOR CREDIT UNION USE ONLY Referred by: (teller initials) (cu branch) Account Open Date Opened/Approved By Entity Formation Documents Reviewed By Copies Obtained: Corporate Resolution Partnership Agreement Bylaws or Code of Regulations Assumed Name Certificate Credit Report Financial Statements Other: Government List(S) Checked: Certificate of Good Standing OFAC Business Entity Individual Account Owner(s) List Verification Completion Date By DTPQ3 (DB110A)-e