BankDirect is participating in the American Airlines AAdvantage^® miles program to offer mileage opportunities to new and current AAdvantage^® members! BankDirect is the first Internet-based bank to offer customers the benefits of the AAdvantage^® program.

All you have to do to earn AAdvantage^® miles at BankDirect is open one of our Mileage products -- Mileage Checking with Interest Accounts, Mileage MMAs and Mileage CDs. You can earn even more AAdvantage^® miles by using BankDirect services related to your Mileage account such as payroll direct deposit and bill pay. An AAdvantage^® member who banks with BankDirect could easily earn 10,000 AAdvantage^® miles a year with a Mileage Checking with Interest Account and could even earn 50,000 AAdvantage^® miles with the purchase of a single Mileage CD.

Earn a one-time deposit of AAdvantage^® miles for opening the following new account types:

ACCOUNT/SERVICE	AWARD	QUALIFYING CONDITIONS
Mileage Checking with Interest	1,000 AAdvantage® miles	Paid at account opening.
Mileage Money Market	1,000 AAdvantage® miles	Paid at account opening.

Earn a one-time deposit of AAdvantage^® miles for using the following services/programs:

SERVICE/PROGRAM	AWARD	QUALIFYING CONDITIONS
Direct Deposit into a Mileage Checking with Interest Account	10,000 AAdvantage® miles	A direct deposit must be received payable to a listed account holder for six (6) consecutive statement cycles, totaling a minimum of $2,000.00 per month.
Online Bill Pay Service	5,000 AAdvantage® miles	Use our online bill payment program and pay a minimum of three (3) different payees totaling at least $500.00 a month for six (6) consecutive statement cycles from a BankDirect® Mileage Checking with Interest Account.
BankDirect® Visa® CheckCard	5,000 AAdvantage® miles	Use your BankDirect® Visa® CheckCard for a minimum of twelve (12) transactions totaling at least $500.00 per month for six (6) consecutive statement cycles from a BankDirect® Mileage Checking with Interest Account.
Refer A Friend	1,000 AAdvantage® miles	Refer someone who opens a BankDirect® Mileage Checking with Interest Account or Mileage Money Market Account, and both you and your referral earn 1,000 miles. Simply submit your friend for mileage credit through our referral template on the Manage Your Account section of your online banking account. Make sure you complete the referral form online, and your friend must submit the information accurately from the e-mail solicitation received. You may earn a life-time maximum of 10,000 AAdvantage® miles for program referrals.

Earn AAdvantage^® miles monthly based on the collected balance (the average amount of money you keep in your account over the course of the number of days in the month or accounting period):

ACCOUNT	AWARD	QUALIFYING CONDITIONS
Mileage Checking with Interest	100 AAdvantage® miles	Earn credit for every $1,000.00 of the collected balance up to the first $50,000.00 on deposit.
	25 AAdvantage® miles	Earn credit for every $1,000.00 in collected balances over $50,000.00.
Mileage Money Market	50 AAdvantage® miles	Earn credit for every $1,000.00 of the collected balance up to the first $50,000.00 on deposit.
	25 AAdvantage® miles	Earn credit for every $1,000.00 in collected balances over $50,000.00.

Earn a one-time deposit of AAdvantage^® miles when you purchase a Mileage Certificate of Deposit:

CERTIFICATES OF DEPOSIT	AWARD	QUALIFYING CONDITIONS
24-month Mileage Certificate of Deposit	1,000 AAdvantage® miles	Earn credit for every $1,000.00 invested in a 24-month Mileage Certificate of Deposit up to $50,000.00.
	25 AAdvantage® miles	Earn credit for every $1,000.00 invested in a 24-month Mileage Certificate of Deposit over $50,000.00.
12-month Mileage Certificate of Deposit	500 AAdvantage® miles	Earn credit for every $1,000.00 invested in a 12-month Mileage Certificate of Deposit up to $50,000.00.
	25 AAdvantage® miles	Earn credit for every $1,000.00 invested in a 12-month Mileage Certificate of Deposit over $50,000.00.
6-month Mileage Certificate of Deposit	250 AAdvantage® miles	Earn credit for every $1,000.00 invested in a 6-month Mileage Certificate of Deposit up to $50,000.00.
	25 AAdvantage® miles	Earn credit for every $1,000.00 invested in a 6-month Mileage Certificate of Deposit over $50,000.00.

Mileage Certificate of Deposit early withdrawal penalties apply. Please allow six to eight weeks for your AAdvantage^® miles to post to your AAdvantage^® account (applies to all account types described above). All customers limited to one (1) Mileage Checking with Interest Account and one (1) Mileage Money Market Account per household and unlimited Mileage Certificate of Deposit Accounts. Current transaction account program fees apply.

American Airlines reserves the right to change the AAdvantage^® program and its terms and conditions at any time without notice and to end the AAdvantage^® program with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage^® miles earned through this promotion/offer do not count toward elite-status qualification or Million Miler^SM status. American Airlines is not responsible for products or services offered by other participating companies. For complete details about the AAdvantage^® program, visit aa.com/AAdvantage. AAdvantage and Million Miler are marks of American Airlines, Inc.