Applications

Under penalties of perjury, I certify that (please check all that apply)::

The number shown on this form is my correct taxpayer identification number

I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends

The IRS has notified me that I am no longer subject to backup withholding

I am a U.S. person (including a U.S. resident alien)

Multiple Name Account Agreement

The joint owners of this account hereby agree with each other and with the credit union that all sums now paid into this account, by any or all of said joint owners with all accumulations thereon, are and shall be owned by them jointly, with right of survivorship, and shall be subject to withdrawal or receipt of any of them, except to the extent an initialed restriction below applies. Payment in accordance with such a proper demand shall be valid and discharge the credit union from any liability for such payment. The credit union is hereby authorized to recognize the signatures(s) subscribed above, in accordance with the restrictions initialed below, in the payment of funds or the transaction of any business for this account.

The right or authority of the credit union under this agreement shall not be changed by any owners, except by written notice to the credit union. Such notice shall not affect any transactions made prior to receipt of the notice by the credit union.

Beneficiary Information and Provisions

Upon the death of the owner, or the last surviving owner if there is more than one, the funds covered by this agreement shall become the property of the beneficiary(ies) listed below who are alive at the time. In addition, each such beneficiary shall have the power to withdraw only his or her equal share of the remaining account balance together with any accumulations on such amount. The multiple name account agreement (Part III) shall not apply to beneficiaries. No beneficiary shall have any right under any circumstances to change the terms and conditions of this agreement.

Acknowledgement:

I/we have read Walled Lake Schools Federal Credit Union's account disclosures.

I/we agree to be bound by all of the terms and conditions of the disclosures and this application and any amendments thereto or to those contained in any membership agreement and disclosures provided to me/us at any time which conditions contained therein are fully incorporated herein.

I/we certify that the information on this application is true and correct.

I/we understand that this account is established subject to the laws of the State of Michigan.

The Walled Lake Schools Federal Credit Union is authorized to make whatever inquiries it deems necessary of others concerning the information contained in this application and to provide information arising out of my/our transactions with the Credit Union with consumer reporting agencies.

DISCLAIMER: I/WE HEREBY CERTIFY THAT ALL STATEMENTS MADE ARE TRUE AND COMPLETE, ARE SUBMITTED FOR THE PURPOSE OF OBTAINING CREDIT, AND THAT THE CREDIT UNION MAY RELY ON THEM FOR SUCH DETERMINATION. WE UNDERSTAND THAT FEDERAL LAW REQUIRES THE VERIFICATION OF IDENTIFICATION FOR ALL NEW ACCOUNTS SHOULD I NOT HAVE AN EXISTING ACCOUNT. I/WE AUTHORIZE YOU TO OBTAIN SUCH INFORMATION AS YOU MAY REQUIRE CONCERNING THE STATEMENTS MADE IN THIS APPLICATION AND PROPER IDENTIFICATION, AND AGREE THAT THE APPLICATION SHALL REMAIN YOUR PROPERTY, AND YOU ARE AUTHORIZED TO ANSWER QUESTIONS ABOUT YOUR CREDIT EXPERIENCE WITH ME/US.