Corporate Headquarters 225 Chestnut Street Rochester, NY 14604

ESL Visa® Business & Overdraft Line of Credit Application 1. Borrower Information Name of Borrower: ______Business Member Number: ______(Legal Entity of Business Name or DBA Name) If Borrower is a DBA Owner’s Name: ______Tax ID (TIN/EIN): ______Email Address: ______Business Phone: ______Business Fax: ______

Business Entity:  Sole Proprietor/DBA  General Partnership  Limited Partnership  LLC/PLLC  LLP  Corporation (C-Corp)  S-Corp  Non-Profit  Club/Association

Nature/Purpose of Business: ______Number of Years in Business: ______Gross Annual Sales: $______State/County of Incorporation/Filing: ______

Business Type:  Manufacturing  Money Service Business  Professional  Real Estate  Retail  Transportation  Other: ______

Business Mailing Address: ______(If P.O. Box, please indicate actual street address below) City: ______State: ______Zip: ______Business Street Address: ______(If different than mailing address) City: ______State: ______Zip: ______

2. Select Products  Business Overdraft Line of Credit Link to Business Checking Account Number: ______ New Amount Requested: $______ Line Increase Amount of Increase: $______New Limit Requested: $______

 ESL Visa® Business Credit Card with Rewards OR  ESL Visa® Business Credit Card no Rewards  New Amount Requested: $______ Line Increase Amount of Increase: $______New Limit Requested: $______Authorized User/ Cardholder 1* Cardholder 2 Cardholder 3 Cardholder 4 Employee Name Credit Limit $ $ $ $ *Cardholder 1 will be the Primary Contact.

3. Business Ownership (All owners, officers and partners must sign application. Complete ‘Additional Business Ownership’ form for additional owners.) First Name: ______Middle Initial: ______Last Name: ______% Ownership: ______Number of Years You Have Owned this Business: ______Social Security Number: ______Date of Birth: ______Citizenship:  United States  Permanent Resident Alien & Number: ______ Other: ______Are you a Veteran of the United States Armed Forces?  Yes  No Personal Member Number: ______Home Address (include Apt. No.): ______City: ______State: ______Zip: ______Number of Years at this Address: ______Home Phone: ______Cell Phone: ______Work Phone: ______Net Worth: $______Annual Salary/Income: $______Source of Income/Salary: ______(Exclude value of your business) 4. General Information Has the business or any owner/guarantor ever declared bankruptcy?  Yes*  No Is the business or any owner/guarantor party to any lawsuit, legal action or subject to any outstanding judgments or  Yes*  No collections? Are any of the business’ or business owner’s/guarantor’s taxes past due?  Yes*  No Have any of the owners/guarantors ever been arrested, charged, on probation or parole, or convicted for a criminal  Yes*  No offense? Has the business or any owner/guarantor been denied for an SBA Guaranteed ?  Yes*  No Has an application for the business loan currently being applied for ever been submitted to SBA or to a Certified  Yes*  No Development Center (CDC) or lender in connection with an SBA program? Are any of the business’ revenues derived from gambling or from the sale of products or services, or the presentation  Yes*  No of any depiction, displays or live performances, of a prurient sexual nature? Has the business or any owner/guarantor used a packager, broker, accountant, lawyer, etc. to assist in either preparing  Yes*  No the loan application or any related materials and/or referring the loan to the lender? *Please attach separate sheet with detailed explanation. CREDIT DENIAL NOTICE: If the gross revenues of the applicant were $1,000,000 or less in the previous fiscal year and the application for business credit is denied, the applicant has the right to a written statement of the specific reason(s) for the denial. To obtain the statement the applicant should contact: ESL FEDERAL , ATTN: BUSINESS BANKING, P.O. BOX 92714, ROCHESTER, NY 14692-8814 within 60 days from the date the applicant is notified of the decision. ESL will send a written statement of reasons(s) for the denial within 30 days of receiving the request for the statement. ECOA NOTICE: You should know that the Federal Equal Credit Opportunity Act prohibits creditors, such as ourselves, from discriminating against credit ap- plicants on the basis of their race, color, religion, natural origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because they receive income from a public assistance program, or because they may have exercised their rights under the Consumer Credit Protection Act. If you believe there has been discrimination in handling your application you should contact: National Credit Union Administration, Region I Office, 9 Washington Square, Washington Avenue Extension, Albany, NY 12205, 518.862.7400. USA PATRIOT Act: To help our government fight the funding of terrorism and stop money-laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: when you open an account, we will ask for your name, address, date of birth, Taxpayer Identification Number (TIN) (usually your Social Security Number) and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying document(s). The law requires us to maintain records of the identification verification and periodically update this information. APPLICANT(S) PLEASE READ BEFORE SIGNING: I/We hereby apply for the loan or credit described in this application on behalf of the applicant business. I/We certify that I/we made no misrepresentation in this loan application or in any related and/or attached documents, that all information is true and complete, and that I/we did not omit any important information. I/We agree that any property securing the loan or credit will be used for business purposes only and will not be used for any illegal or restricted purpose. I/We authorize ESL Federal Credit Union (ESL) to obtain personal credit reports and, at its discretion, business review credit reports in connection with this application and any account established hereby, as well as any update, renewal, extension, review or collection thereof. ESL may disclose to any other interested parties information as to the experiences or transactions ESL has had with my/our account. I/We understand that ESL will retain this application and any other credit information ESL receives, even if no loan or credit is granted. These representations and authorizations extend not only to ESL, but also to any insurer of the loan and to any investor to whom ESL may sell all or any part of the loan. I/We further authorize ESL to provide any such insurer or investor any information and documentation that they may request with respect to my/our application, credit or loan. My/Our signature(s) is/are binding on me/us and the business named above. Each person signing below for the business applying for credit certifies that all necessary action has been taken to authorize the business to execute this Business Loan Application and that he/she individually has full authority to act on behalf of the business and thereby bind the business. The foregoing authorization supersedes any other resolution or other authorization, whether given to ESL before or in the future. EACH PERSON SIGNING BELOW ACKNOWLEDGES ESL HAS NOT YET AGREED TO MAKE CREDIT AVAILABLE TO THE BUSINESS AND ESL HAS THE SOLE RIGHT TO DECIDE WHETHER TO DO SO.

1. ______Authorized Signature (and as guarantor and obligor) Authorized Signer Name (please print) Date

2. ______Authorized Signature (and as guarantor and obligor) Authorized Signer Name (please print) Date

You may fax completed forms (Application, Personal Financial Statement(s) and any attachments) to 585.336.1561 or mail to: ESL Federal Credit Union Attn: Business Banking P.O. Box 22788 Rochester, NY 14692-2788 FOR INTERNAL USE ONLY Business Membership Number: ______Org. Number: ______Referring Branch/CC Team: ______Person/Teller Number: ______Person/Teller Name: ______(03/16) For Applicant

Interest Rates and Interest Charges for ESL Visa® Business Credit Cards Only Annual Percentage Rate (APR) 3.99% Introductory APR for six billing cycles following the account open date. for Purchases After that, 10.24% This APR will vary with the market based on the Prime Rate.1 APR for Balance Transfers 14.24% This APR will vary with the market based on the Prime Rate.1 APR for Cash Advances 17.99% This APR will vary with the market based on the Prime Rate.1 Penalty APR and When it Applies 18.0% This APR may be applied to your account if: 1. Your minimum monthly payment is not made for two consecutive billing cycles. How long will the Penalty APR Apply? If your APRs are increased for the reason above, the Penalty APR will be applied until the billing cycle after your twelfth consecutive on-time monthly payment. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you 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. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.50.

Fees Annual Membership Fee There is no Annual Membership Fee if you do not participate in the Rewards Program. There is a $50.00 Annual Membership Fee if you participate in the Rewards Program. Transaction Fees • International Service 1% of transaction amount Assessment Penalty Fees • Late Payment $39.00 • Returned Payment $35.00 • Over the Credit Limit $39.00 Other Fees • Statement Copy $2.50 • Card Replacement Free • Rush Order $15.00 1: We add 6.74% to the Prime Rate to determine the Purchase Rate, 10.74% to the Prime Rate to determine the Balance Transfer Rate and 14.74% to the Prime Rate to determine the Cash Advance Rate. As of 4/1/16, the Prime Rate was 3.50%. Your APR will not exceed the maximum allowed by applicable law, which is currently 18.00%.

How we will calculate your balance We use a method called “average daily balance (including new purchases).” See your account agreement for more details.

Loss of Introductory APR We may end your Introductory APR and apply the Penalty APR if your minimum monthly payment is not made for two consecutive billing cycles.

The information about the cost and terms of the Card described is accurate as of 4/1/16. This information may have changed after that date.

Your ESL Visa Business Credit Card account will be governed by the terms of the ESL Visa Business Credit Card Agreement that will be sent to you with your card(s). The terms of your account are subject to change as provided in your Cardmember Agreement.