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AACREDITUNION.ORG | 25 MEMBERSHIP BENEFITS AND ELIGIBILIT Y At American Airlines Federal Credit Union, when you're a member, you're also an owner, becoming part of a member-owned, not-for-profit cooperative financial institution. The Credit Union was founded in 1936 by a small group of Chicago American Airlines employees who envisioned a place where employees and their family members could assist each other. That original plan has flourished. Today, American Airlines Credit Union has more than 284,000 member-owners. And as a member- owner, you share in our success. That's why we're especially committed to bringing you more choices, more options and a higher level of service. Table of contents Youth & Young Adults ..26 Member Testimonials ..27 Share & Certificates ......28 Business Services ............29 Checking Accounts ........ 30 Onine Experience ...........31 Convenience Options... 32 Home Lending ................. 33 Auto ....................................... 36 Credit Cards .......................40 Personal Loans .................42 Credit Education .............42 Investing & Insurance ..43 Employee Spotlight .......44 Branch Locations ............45 Financial Column............48 Who is American Airlines Credit Union? How can we help? WHO'S ELIGIBLE FOR MEMBERSHIP? Our Credit Union is open to anyone working in the air transportation industry* and their families. This includes: • All active and retired employees of American Airlines and its subsidiaries. • Employees who work in the air transportation industry such as: airline employees; employees who work directly in administration, regulation or security for airports, airlines or air transportation, such as TSA, FAA and others. • Families: Member-owners can sponsor member-ship for their spouse, children, parents, siblings, grandparents, grandchildren and permanent household members with same physical address. BECOME A MEMBER! Interested in becoming a member? Simply fill out the attached form and mail it in. Or log on to AACreditUnion.org and apply online. * Air Transportation Industry does not include employees of retail shops, restaurants, travel agencies, online travel agencies or consumer online travel reservation services, hotels, taxicab services, car rental companies, airplane manufacturers; employees primarily engaged in ground transportation of freight (other than freight forwarding for air transportation), defense services companies or employees of defense product manufacturers. Welcome