Membership Application and Agreement

FEDERAL NOTICE ABOUT ACCOUNT OPENING PROCEDURES: Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license, passport, or other identifying documents.

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Designation of Beneficiary(ies)
This account is owned by the named party(ies). If there is more than one owner, ownership passes to the survivor(s) upon the death of any of them. Upon the death of all of them, ownership passes to the named pay-on-death beneficiary(ies) listed below.

By signing below, the undersigned agrees to the Credit Union bylaws and the terms and conditions of any approved account, as amended from time to time, and authorize the Credit Union to verify credit and employment history by any necessary means, including preparation of a credit report by a credit reporting agency on the undersigned, as individuals. The undersigned certify that the information provided on this application is true and correct and that the terms on this application apply to all listed accounts. The undersigned agrees to the Miscellaneous Provisions and the section titled Overdraft Protection. I/we acknowledge receipt and agree to be bound by the terms of the Master Account Agreement and Disclosure for each member service I/we have requested. By checking the boxes below, the undersigned also acknowledges that they have reviewed the Master Account Agreement and Disclosure, Fee Schedule, and the Privacy Statement, which contain the following policy disclosures.

A specimen of my/our signature(s) is shown on this agreement. You are authorized to supply any endorsement for me/us on any check, draft or other instrument tendered for this account, and you are hereby relieved of any liability in connection with collection of such items which are handled by you without negligence, and you shall not be liable for the acts of your agents, subagents, or others or for any casualty. Withdrawals may not be made against such items until collected, and any amount uncollected may be charged back to this account, including expenses incurred and any other outside expense incurred relative to this account may be charged to it.

By signing this agreement, I/we affirm that all the information I/we have provided is complete and correct to the best of my/our knowledge, and agree to furnish other information you may request from time to time. In considering my/our request or renewal for any financial service, you may request and use reports from my employer, creditors, and/or outside reporting agencies or services. If there is any change in my/our name or address, or if any financially significant change occurs after I/we have applied for any service, I/we agree to notify you immediately. All subsidiary accounts, savings, checking, share certificates, etc., have the ownership as outlined in this agreement. All persons who sign this agreement as joint owners may deposit or withdraw any amount from any accounts (except for IRAs). Owners of an account who have the capacity to sign are jointly and severally liable for all checks and transactions on the account(s).

I/we understand and agree that except as modified in any specific loan or share account agreement or applicable law, all my/our shares and deposits are subject to a lien under the Federal Credit Union Act to the extent of my/our obligations to CFCU Credit Union.

OVERDRAFT PROTECTION FOR CHECKING ACCOUNTS:
You acknowledge that Overdraft Protection from available funds in your share savings, MarketEdge or line-of-credit accounts will be automatically set up. Refer to the Master Account Agreement and Disclosure for more details.

Please read the following terms and conditions that indicate your acceptance thereof and your consent to receive your periodic statements electronically.

Terms and Conditions: You understand that by signing below you are consenting initially and on an ongoing basis to receive your periodic statements ("Statements") in electronic format. You also understand that you will no longer receive paper statements for HELOC, Line-of-Credit, or Real Estate Loan accounts. You may print a copy of your statement by logging into PC Access Online Banking (chevronfcu.org) or you may request a copy of a particular statement in paper format by contacting us at 510-251-6000 or 800-782-8782.

You may withdraw your consent to receive statements electronically at anytime by faxing us a letter in writing with your signature to 510-627-5233, by mailing a letter to CFCU Credit Union, P.O. Box 2069, Oakland, CA 94604-2069, or by logging into PC Access and changing your settings to opt out of eStatements.

You must provide and maintain a valid, active email address. If you change your email address you must notify us in writing or log in to PC Access and edit your "My Profile" information. You will receive a statement at least quarterly, monthly if you have a checking account and/or electronic funds account activity. You will receive electronic notification via email to your email address of record with us indicating the availability of your statement. Upon receipt of the email, you may retrieve the statement by logging in to PC Access Online Banking (chevronfcu.org) via our website.

You will need to include the following with your application:

• Your savings account deposit in U.S. funds of at least $25; $50 for joint accounts
  • Make check payable to CFCU Credit Union
  • Do not mail cash (a receipt will be sent to confirm your deposit)
  • Funds may be wired or sent via cashier's check
• Photocopy of your identification showing your signature
  • Unexpired U.S. Driver's license or Department of Motor Vehicles issued identification; or
  • Passport — showing photo, number, and country of issuance

Master Account Agreement and Disclosure and Fee Schedule