Credit Union Membership Application

CREDIT UNION MEMBERSHIP APPLICATION AND ACCOUNT AGREEMENT

WHEREAS

WHEREAS Applicant seeks to establish membership and open financial accounts with Credit Union in accordance with the Credit Union's bylaws and policies; and

WHEREAS Credit Union agrees to accept Applicant as a member upon satisfaction of membership eligibility, payment of any required initial share deposit, and execution of this application and account agreement; and

WHEREAS the parties intend that this document serve both as an application for membership and as the binding agreement governing the accounts and services requested by Applicant.

MEMBER INFORMATION

ELIGIBILITY AND ACCOUNT TYPE

Eligibility (select all that apply): Employee of sponsoring employer Eligible family member Member of sponsoring association Other

Account types requested: Share Savings Checking Money Market Certificate

JOINT OWNER / BENEFICIARY (IF APPLICABLE)

SCOPE OF SERVICES

Applicant requests the Credit Union provide account services, deposit and withdrawal processing, electronic funds transfers, online account access, and related financial services as governed by the Credit Union's bylaws, policies, and applicable law. Applicant acknowledges that specific services are subject to separate disclosures and terms where required.

PAYMENT TERMS

Initial share deposit required for membership: $

Recurring fees or service charges (if applicable):

Payment authorization: Applicant authorizes Credit Union to withdraw required deposits, fees, and charges from accounts opened under this application or other accounts held by Applicant at the Credit Union.

Late fee for delinquent obligations: . Such fee shall be assessed in accordance with Credit Union policy and applicable law.

TERM AND TERMINATION

Membership effective date: . Membership shall continue until terminated by Applicant or by the Credit Union in accordance with its bylaws and applicable law.

Applicant may terminate membership by written notice to Credit Union. Credit Union may terminate membership for cause, including but not limited to: breach of this agreement, fraud, unpaid obligations, or violation of Credit Union rules. Notice period for voluntary termination by Applicant: days.

CONFIDENTIALITY AND PRIVACY

Credit Union will collect, use, and protect Applicant's nonpublic personal information in accordance with applicable law and the Credit Union's privacy policy. Applicant consents to Credit Union's use of information for account administration, regulatory reporting, fraud prevention, and other legitimate business purposes. Applicant authorizes Credit Union to obtain credit reports and verify information as permitted by law.

GOVERNING LAW; ENTIRE AGREEMENT

This Agreement shall be governed by and construed in accordance with the laws of the state in which the Credit Union maintains its principal place of business, except to the extent preempted by federal law. Any dispute arising under this Agreement shall be subject to the exclusive jurisdiction of the courts in that jurisdiction.

This document, together with applicable disclosures, fee schedules, bylaws, and account agreements provided by the Credit Union, constitutes the entire agreement between Applicant and Credit Union with respect to membership and the accounts requested, and supersedes all prior discussions and agreements, whether oral or written.

CERTIFICATIONS AND AUTHORIZATIONS

By signing below, Applicant certifies under penalty of perjury that the information provided in this application is true and correct. Applicant agrees to the terms of this Membership Application and Account Agreement, authorizes the Credit Union to verify information and obtain credit reports as necessary, and acknowledges receipt of required disclosures where applicable.

Consent to electronic delivery of notices and disclosures: Applicant consents to receive electronic notices and disclosures

ADDITIONAL INFORMATION

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