This Part does not apply to:
1. Business purpose. An account established for a partnership, joint venture or other organization for a business purpose;
2. Controlled by agent or trustee. An account controlled by one or more persons as an agent or trustee for a corporation, unincorporated association or charitable or civic organization; or
3. Other relationship. A fiduciary or trust account in which the relationship is established other than by the terms of the account.