address: Driver license number: Date of birth: Occupation:

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1 MEMBERSHIP APPLICATION PRIMARY MEMBER INFORMATION Name: Scial security Member Number: Hme phne: Cell phne: Business phne: Mther s Maiden Name: Security passwrd: Mailing address: City: State: ZIP Cde: Street address: City: State: ZIP Cde: Hw did yu hear abut us? Hw d yu qualify? ACCOUNTS/SERVICES REQUESTED Savings Checking Debit Line f Credit Certificate Mney Market Online Banking Bill Pay Wire Transfers Aut lan Credit Card Mrtgage Pay Peple Remte Depsit Accunt t Accunt transfer Mbile banking Anticipated cash depsit per week: 0 - $1000 $ $10,000 Over $10,000 Anticipated cash withdrawals per week: Ntes: 0 - $1000 $ $10,000 Over $10,000 OWNERSHIP OF ACCOUNT Select ne wnership type and, if applicable, include a beneficiary in the apprpriate sectin f this applicatin. The wnership type and designatin specified n this dcument will remain the same fr accunt listed abve. Individual: Jint with survivrship (and nt as tenants in cmmn): As custdian fr minr under the Massachusetts Unifrm Transfer t Minr Act (UTMA): OVERDRAFT PROTECTION Opt-In/Opt-Out Overdraft Prtectin Yu can chse t use the Assurance Pay, the link frm savings, r apply fr an verdraft line f credit. I have the right t revke r change my electin at any time by cntacting the credit unin in writing. Only ne accunt wner signature is required t add r remve the verdraft cverage. I want Assurance Pay Overdraft Payment Service. I want t pay verdrafts with a link frm my savings accunt (maximum f six autmatic withdrawals per mnth in cmbinatin with ther Reg. D transactins). I understand there is a $5.00 fee fr each ccurrence. I d nt want any Overdraft Service. We d nt authrize and pay verdrafts fr ATM and everyday debit transactins. Yu may chse ne f the ptins r a cmbinatin f all three. If yu chse t use mre than ne verdraft service, yu can tell us the rder yu want t access the service. All applicable fees will apply t each verdraft. Please indicate the rder yu wuld like t access the service in the event f an verdraft. Assurance Pay Overdraft Payment Service Transfer frm my savings accunt Overdraft Line f Credit (Subject t credit apprval.)

2 WIRE TRANSFERS I will r will nt be requesting wire transfers n the accunts included in this membership. If yes, cntinue reading the infrmatin belw. If yes, hw many wire transfers d yu plan n ding per week? The fllwing security measures will be used by the credit unin fr the purpse f verifying all wire transfer requests. Call Back when we receive yur wire transfer request, we will cnfirm the request by calling the persn wh riginated the wire request at a telephne number currently n ur system. We will nt call back t a number nt previusly n recrd. Passwrd please prvide a passwrd t be used t verify wires during the call back. If there is n passwrd n file PRIOR t the request, the wire must be requested in persn. Passwrd selected: City: State: Zip BENEFICIARIES-ONLY ONE PER MEMBERSHIP Name: Street address: Relatinship: SSN:

3 TAX CERTIFICATION AND BACKUP WITHHOLDING INFORMATION Under penalties f perjury, the undersigned certifies n behalf f the accunt wner that: (1)The Taxpayer Identificatin Number (TIN) shwn abve is the Accunt Owner's crrect TIN and (2) the Accunt Owner is nt subject t backup withhlding either because (a) It is exempt frm backup withhlding, r (b) It has nt been ntified by the Internal Revenue Service (IRS) that it is subject t backup withhlding as a result f a failure t reprt all interest r dividends r (c) the IRS has ntified the Accunt Owner that it's n lnger subject t backup withhlding, and (3) The Accunt Owner is a U.S. Citizen r ther U.S. persn, and (4) the Accunt Owner is exempt frm FATCA reprting. Fr Federal tax purpses, the Accunt Owner is cnsidered a U.S. persn if the Accunt Owner is: an individual wh is a U.S citizen r U.S resident alien; a partnership, crpratin, cmpany r assciatin created r rganized in the United States r under the laws f the United States; an estate (ther than freign estate); r dmestic trust (as defined by Regulatin sectin )r under the laws f the United States; an estate (ther than freign estate); r a dmestic trust (as defined in Regulatins sectin ). THE IRS DOES NOT REQUIRE YOUR CONSENT TO ANY PROVISION OF THIS DOCUMENT OTHER THAN THE CERTIFICATION REQUIRED TO AVOID BACKUP WITHHOLDING MEMBER SIGNATURE(S) By signing belw, I/We agree t the cnditins f the Imprtant Accunt Infrmatin fr Our Members including the Terms and Cnditins, Electrnic Transfers, Funds Availability and Truth in Savings and t any amendment the credit unin makes frm time t time which are incrprated herein. I/We acknwledge receipt f the Imprtant Accunt Infrmatin fr Our Members applicable t the accunts and services requested herein. If an access card r EFT service is requested and prvided, I/We agree t the terms f and acknwledge receipt f the Electrnic Funds Transfer Agreement. I/We authrize the credit unin t btain a credit reprt frm a cnsumer reprting agency. Signature: Ownership type: Date Identificatin verified by: FOR CREDIT UNION USE ONLY Infrmatin verified: Verafin/OFAC CU Histry Dcuments prvided t member: Truth in Savings Disclsure: Rate & Fee Schedule: Applicatin Cpy: EFT Disclsure: Emplyee Signature: Teller #: Date: Branch Manager Signature: Teller #: Date:

4 Overdraft Disclsure Member Infrmatin An verdraft ccurs when yu d nt have enugh mney in yur accunt t cver a transactin, but we pay it anyway. We can cver yur verdrafts in three ways. Yu may chse ne f the ptins r a cmbinatin f all three. If yu chse t use mre than ne verdraft prtectin ptin, yu can tell us the rder in which yu want us t access the ptins. Overdraft Prtectin Optins: Yu must request t be enrlled in verdraft prtectin. 1. A link frm yur savings accunt- Yu can authrize us t transfer available funds t cver yur verdraft. There is a maximum f six autmatic withdrawals frm the savings accunt each mnth. There is a $5.00 fee fr each autmatic transfer. 2. Overdraft Line f Credit-Yu must apply fr an verdraft line f credit and apprval is based n yur creditwrthiness. Yu can apply nline at AlignCU.cm r cntact the cnsumer lan department fr additinal infrmatin r t apply. 3. Assurance Pay - Assurance Pay is available fr yur checking accunt if yu meet the eligibility requirements. If yu pt-in t this service, we may authrize and pay verdrafts fr checks and ther transactins using yur checking accunt number and autmatic bill payments. We d nt authrize and pay verdrafts fr ATM transactins and everyday debit transactins. We pay verdrafts at ur discretin, which means we d nt guarantee that we will always authrize and pay any type f transactin. If we d nt authrize and pay an verdraft, yur transactin will be declined. Align Assurance Pay Eligibility Requirements Assurance Pay is available n eligible checking accunts. The Student and Teen checking accunts are nt eligible fr Assurance Pay. In rder t be eligible, yu must be a member in gd standing and meet the fllwing requirements: Yur accunt must be pen fr at least 30 days Yu cannt be delinquent n any credit unin lan Yu cannt have caused the credit unin any lss Yu cannt have a histry f returned depsited items Yu cannt have negative accunt infrmatin n yur Chex Systems reprt. If yu use the service, yu agree t bring the accunt t a psitive balance within 30 days f the first transactin that brings the accunt t a negative balance. All accunts that remain with a negative balance may be clsed by the credit unin and reprted t Chex Systems. We reserve the right t suspend r terminate Assurance Pay at any time withut prir ntice. Understanding Yur Accunt Balance Yur checking accunt has tw kinds f balances: the actual balance and the available balance. Yur actual balance reflects the full amunt f all depsits t yur accunt as well as payment transactins that have psted t yur accunt. It des nt reflect checks yu have written and are still utstanding r transactins that have been authrized but are still pending. Yur available balance is the amunt f mney in yur accunt that is available fr yu t use. Yur available balance is yur actual balance less (1) hlds placed n depsits; (2) hlds n debit card r ther transactins that have been authrized but are nt yet psted; and (3) any ther hlds, such as hlds related t pledges f accunt funds and minimum balance requirements r t cmply with curt rders. We use yur available balance t determine whether there are sufficient funds in yur accunt t pay items, including checks and drafts, as well as ACH, debit card and ther electrnic transactins. Pending transactins and hlds placed n yur accunt may reduce yur available balance and may cause yur accunt t becme verdrawn regardless f yur actual balance. Yu shuld assume that any check r ther transactin using yur accunt number and autmatic bill payment that wuld verdraw yur accunt based n yur available balance may create an verdraft. Yu may check yur available balance nline at AlignCU.cm, at an ATM, r by visiting a credit unin branch. Hw Transactins are Psted t Yur Accunt Basically, there are tw types f transactins that affect yur accunt: credits (depsits f mney int yur accunt) and debits (payments ut f yur accunt). It is imprtant t understand hw each is applied t yur accunt s that yu knw hw much mney yu have and hw much is available t yu at any given time. This sectin explains generally hw and when we pst transactins t yur accunt. Credits. Depsits are generally added t yur accunt when we receive them. Hwever, in sme cases when yu depsit a check, the full amunt f the depsit may nt be available at the time f depsit. Please refer t the Funds Availability Plicy Disclsure prvided at the time yu pened yur accunt fr details regarding the timing and availability f funds frm depsits. Debits. There are several types f debit transactins. Cmmn debit transactins are generally described belw. Keep in mind that there are many ways transactins are presented fr payment by merchants, and we are nt necessarily in cntrl f when transactins are received. Checks. When prcessing items drawn n yur accunt, ur plicy is t pay them accrding t the dllar amunt. We pay the smallest items first. The rder in which items are paid is imprtant if there is nt enugh mney in yur accunt t pay all f the items that are presented. Our payment plicy minimizes the number f items that

5 may result in an verdraft r NSF fee. If an item is presented withut sufficient funds in yur accunt t pay it, we may, at ur discretin, pay the item (creating an verdraft) r return the item (NSF). The amunts f the verdraft and NSF fees are disclsed elsewhere. We encurage yu t make careful recrds and practice gd accunt management. This will help yu t avid writing checks r drafts withut sufficient funds and incurring the resulting fees. ACH Payments. We receive data files every day frm the Federal Reserve with Autmated Clearing Huse (ACH) transactins. These include, fr example, autmatic bill payments yu have authrized. ACH transactins fr yur accunts are psted twice per day in rder f receipt. PIN-Based Debit Card Purchase Transactins. These are purchase transactins using yur debit card fr which a merchant may require yu t enter yur persnal identificatin number (PIN) at the time f sale. They are prcessed thrugh a PIN debit netwrk. These transactins are similar t ATM withdrawal transactins because the mney is usually deducted frm yur accunt immediately at the time f the transactin. Hwever, depending n the merchant, a PIN-based transactin may nt be immediately presented fr payment. Signature-Based Debit Card Purchase Transactins. These are purchase transactins using yur debit card that are prcessed thrugh a signature-based netwrk. Rather than entering a PIN, yu typically sign fr the purchase; hwever, merchants may nt require yur signature fr certain transactins. Merchants may seek authrizatin fr these types f transactins. The authrizatin request places a hld n funds in yur accunt when the authrizatin is cmpleted. The authrizatin hld will reduce yur available balance by the merchant and submitted t us fr payment. This can happen hurs r smetimes days after the transactin, depending n the merchant r payment prcessr. These payment requests are received in real time thrughut the day and are psted t yur accunt when they are received. The amunt f the authrizatin hld may differ frm the actual payment because the final transactin amunt may nt be knwn t the merchant when yu present yur card fr payment. Fr example, if yu use yur debit card at a restaurant, a hld will be placed in an amunt equal t the bill presented t yu; but when the transactin psts it will include any tip that yu may have added t the bill. This may als be the case where yu present yur debit card fr payment at gas statins, htels and certain ther retail establishments. We cannt cntrl hw much a merchants asks us t authrize, r when the merchant submits a transactin fr payment. This is a general descriptin f certain types f transactins. These practices may change, and we reserve the right t pay items in any rder we chse as permitted by law. Assurance Pay Fees We will charge yu a fee up t $35 each time each time we pay an verdraft. See tiered fee structure listed belw. The verdraft fee will reduce yur verdraft limit. There is n limit n the ttal fees we can charge yu fr verdrawing yur accunt. Insufficient Funds (Overdraft/ NSF/Uncllected) Tiered per calendar year Tier 1: First Occurrence $25.00 Tier 2: Secnd and Third Occurrence $30.00 Tier 3: Over Three Occurrences $35.00 Enrllment If yu wuld like us t pay verdrafts n checks and ther transactins using yur accunt number and autmatic bill payments, cmplete the pt-in ntice and fax t r mail t Align Credit Unin, PO Bx 7008, Lwell, MA 01852