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ADDITIONAL TERMS AND CONDITIONS: The Credit Union is hereby authorized to recognize any of the signatures below in the payment of funds or the transaction of business for this Share Draft/Checking Account. The joint owners of this account hereby agree with each other and with the Credit Union that all sums now paid in on shares in this account, or heretofore or hereafter paid in on shares in this account by any or all said joint owners to their credit as such joint owners, with all accumulations thereon, are and shall be owned by them jointly, with right of survivorship, and shall be subject to the withdrawal or receipt of any of them, and payment to any of them or the survivor or survivors, shall be valid and discharge the Credit Union from any liability for such payment.

The right or authority of the Credit Union under this Share Draft/Checking Account Agreement shall not be changed or terminated by said owners, or any of them, except by written notice to the Credit Union which shall not affect transactions thereto made.

By signing below, the undersigned request(s) the described services and agrees to the terms and conditions governing the services, including any fees and charges. The undersigned agree(s) that all information is accurate and authorizes the financial institution to verify credit history by any necessary means, including preparation of a credit report by a credit reporting agency.

By selecting the "I Agree" and submitting, you are signing this Agreement electronically. You agree your electronic signature is the legal equivalent of your manual/handwritten signature on this Agreement. By selecting "I Agree" using any device, means or action, you consent to the legally binding terms and conditions of this Agreement. You further agree that your signature on this document (hereafter referred to as your "E-Signature") is as valid as if you signed the document in writing. You also agree that no certification authority or other third-party verification is necessary to validate your E-Signature, and that the lack of such certification or third-party verification will not in any way affect the enforceability of your E-Signature or any resulting agreement between you and the Credit Union.

By selecting "I Agree", I consent to abide by the terms and policies as set forth by the credit union. Please refer to the disclosure links below for details.

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