WHAT NAME AND NUMBER TO GIVE THE CREDIT UNION

For this type of account: Give the name and SOCIAL SECURITY NUMBER of:

1. Individual The individual

2. Two or more individuals (joint account) The actual owner of the account or, if combined funds, the first individual on the account

3. Custodian account of a minor (Uniform Gift to Minors Act) The minor 4. a. The usual revocable savings trust (grantor is also trustee)

b. So-called trust account that is not a legal or valid trust

under state law The grantor-trusteeThe actual owner

5. Sole propietorship The owner1

For this type of account: Give the name and EMPLOYER IDENTIFICATION NUMBER of:

7. A valid trust, estate or pension trust Legal entity (Do not furnish the identification number of the personal representative or trustee unless the legal entity itself is not designated in the account title)

8. Corporate The corporation

9. Association, club, religious, charitable, educational or

other tax-exempt organization The organization

I may enter my SSN or EIN. I will also see the chart below for further clarification of name and TIN combinations. If I do not have a TIN, I will follow the instructions under How to Get a TIN above.

For Payees Exempt From Backup Withholding

Individuals (including sole proprietors) are not exempt from backup withholding. Corporations are exempt from backup withholding for certain payments, such as interest and dividends. For a complete list of exempt payees, I will see the separate Instructions for the Requester of Form W-9. If I am exempt from backup withholding, I should still complete the form to avoid possible erroneous backup withholding. I will enter my correct TIN, write “Exempt” and sign and date the form. If I am a nonresident alien or a foreign entity not subject to backup withholding, I will give you a completed Form W-8BEN, “Certificate of Foreign Status.”

Certification

For a joint account, only the person whose TIN is shown on the Account Signature Card should certify his or her TIN.

1. Interest, Dividend, and Barter Exchange Accounts Opened Before 1984 and Broker Accounts That Were Considered Active During 1983 I must give my correct TIN, but do not have to sign the certification.

2. Interest, Dividend, Broker and Barter Exchange Accounts Opened After 1983 and Broker Accounts That Were Considered Inactive During 1983 I must sign the certification or backup withholding will apply. If I am subject to backup withholding and am merely providing you with my correct TIN, I must check the box which indicates that I am subject to backup withholding.

3.Real Estate Transactions

I must sign the certification. 4. Other Payments

WHAT NAME AND NUMBER TO GIVE THE CREDIT UNION

For this type of account: Give the name and SOCIAL SECURITY NUMBER of:

1. Individual The individual

2. Two or more individuals (joint account) The actual owner of the account or, if combined funds, the first individual on the account

3. Custodian account of a minor (Uniform Gift to Minors Act) The minor 4. a. The usual revocable savings trust (grantor is also trustee)

b. So-called trust account that is not a legal or valid trust

under state law The grantor-trusteeThe actual owner

5. Sole propietorship The owner1

For this type of account: Give the name and EMPLOYER IDENTIFICATION NUMBER of:

8. Corporate The corporation

9. Association, club, religious, charitable, educational or

other tax-exempt organization The organization

I must give my correct TIN, but I do not have to sign the certification unless I have been notified of an incorrect TIN. Other payments include payments made in the course of your trade or business for rents, royalties, goods (other than bills for merchandise), medical and health care services, payments to a non-employee for services (including attorney and accounting fees), and payments to certain fishing boat crew members.

5. Mortgage Interest Paid by Me, Acquisition or Abandonment of Secured Property, or Cancellation of Debt, or IRA Contributions

I must give my correct TIN, but I do not have to sign the certification.

Privacy Act Notice

Section 6109 requires me to furnish my correct TIN to you for filing information returns with the IRS to report interest, dividends, and certain other income paid to me, mortgage interest I paid, the acquisition or abandonment of secured property, cancellation of debt, or contributions I made to an individual retirement arrangement (IRA). The IRS uses the number for identification purposes and to help verify the accuracy of my tax return. I must provide my TIN whether or not I am required to file a tax return. You must generally withhold 30% of taxable interest, dividend, and certain other payments if I do not furnish my TIN to you. Certain penalties may also apply.

IV. (A) FUNDS AVAILABILITY POLICY FOR ACCOUNTS OTHER THAN CHECKING ACCOUNTS AND TERM SHARE (CERTIFICATE) ACCOUNTS

You may place a hold for uncollected funds on any check or draft deposited to my account. Your Funds Availability Policy for Checking accounts (see Section B below) is hereby extended to all other share accounts. The hold periods described below are designed to protect against the possibility of an item being dishonored. If a hold is placed on any item, you will send me a notice, typically on the voucher/receipt, of when I may draw against the funds.

The following items are not subject to the Funds Availability Policy and the availability of funds on these items will be determined by you on a “case- by-case” basis:

1. If you receive notice that the item(s) has/have been or will be dishonored by an intermediary bank or depository institution on which it is drawn as defined by the California Uniform Commercial Code 2. If the item is deposited within thirty (30) calendar days of the opening

of the account

3. Items for which you reasonably believe to be uncollectible including but not limited to those cases where the drawer or drawee has become or is reasonably believed will become, subject to bankruptcy, receivership or similar proceedings, or when you believe that a fraud or kiting situation exists

4. Items drawn on an office located outside of the United States 5. If the item is subject to processing delay, that is, presentment delay, a

mutilated item, a counter check, or an improperly encoded item 6. Items of $2,500 or more, other than an item drawn on the Credit

Union.

7. Items deposited to an account which, within a six (6) month period, has been overdrawn or subject to be overdrawn on three (3) separate occasions excluding accounts with overdraft privileges unless the credit line has been exceeded

If an item, such as an insurance draft, a dealer draft or a check drawn on a foreign bank is presented to you, it will be handled as a collection item. When an item submitted for collection is finally and irrevocably paid, you will credit my account.

Any delay by you beyond the time limits prescribed shall be excused if caused by interruption of communication facilities, suspension of payments by a bank or savings institution, emergency conditions or other circumstances beyond your control provided that you exercise such diligence as the circumstances required.

In no event does the above policy affect your right to accept or reject an item for deposit or to require written notice of an intended withdrawal.

(B) FUNDS AVAILABILITY POLICY FOR CREDIT UNION CHECKING

In document Share Account Agreement, Truth-In-Savings Disclosure (Page 30-33)