Common use of Certification, Authorization, and Signature Clause in Contracts

Certification, Authorization, and Signature. (s) Certification of Taxpayer Identification Number and Backup Withholding Under penalties of perjury, I/we certify that (1) the number(s) shown on this form is my/our correct taxpayer identification number, (2) I am/we are not subject to backup withholding because: (a) I am/we are exempt from backup withholding, or (b) I/we have not been notified by the Internal Revenue Service (IRS) that I am/ we are subject to backup withholding as a result of failure to report all interest or dividends, or (c) the IRS has notified me/us that I am/we are no longer subject to backup withholding, and (3) I am/we are a U.S. person (including a U.S. resident alien). Instructions: Cross out item 2 above if you have been notified by the IRS that you are currently subject to backup withholding because you failed to report all interest and dividends on your tax return. Complete a W-8 BEN if you are not a U.S. person. Joint Owner Account Agreement MSDFCU is hereby authorized to recognize any of the signatures subscribed hereto in payment of funds or the transaction of business for this account. The joint owners of this account hereby agree with each other and with said credit union that all sums now paid in on savings, heretofore or hereafter paid in on savings 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 be subject to the withdrawal or receipt of any of them, and payment to any of them or the survivor(s) shall be valid and discharge said credit union from any liability for such payment. Any or all of said joint owners may pledge all or part of the savings in this account as collateral security to a loan or loans. The right of authority of the credit union under this agreement shall not be changed or terminated by said owners, or any of them except by written notice to said credit union which shall not affect transactions theretofore made. Important Information About Procedures for Opening a New Account To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person, including business entities, who open an account. What this means to you: When you open an account, we will ask for your name, address, date of birth, social security number or Taxpayer Identification Number (TIN), and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Primary Member Signature Date Joint Owner Signature Date OFFICE USE ONLY MICR CHECKING / MONEY MARKET ACCOUNT AGREEMENT (a) Only checks/money market checks and other methods approved by the Credit Union may be used to withdraw funds from the Checking/Money Market Account; (b) The Credit Union is under no obligation to pay a check which exceeds the fully paid and collected balance in the Checking/Money Market Account; the Credit Union may, however, pay such a check/money market check and transfer savings to this account in the amount of the resulting overdraft, plus a service charge, from any other savings account from which any of the undersigned is then eligible to withdraw savings; (c) The Credit Union may pay a check/money market check on whatever day it is presented, notwithstanding the date (or any limitation on the time of payment) appearing on the check/money market check; (d) Except for negligence, the Credit Union is not liable for any action it takes regarding the payment or nonpayment of a check/money market check; (e) Any objection respecting any item shown on a monthly statement of this account is waived unless made in writing to the Credit Union before the end of 60 days after the statement is mailed; (f) The Checking/Money Market Account shall be subject to service charges in accordance with the rate schedules adopted by the Credit Union from time to time; (g) The use of the Checking/Money Market Account is subject to such other conditions and requirements as the Credit Union may establish from time to time; and (h) If signed by more than one person, this agreement is subject to the additional terms and conditions of any joint savings account agreement that applies to a savings account in our joint names. The undersigned (“I” or “we”), in consideration of the MSDFCU (“you” or “your”) issuing to me a ATM/STAR/VISA Debit Card hereby agrees to be legally bound by the following terms and conditions: 1. Accounts and Uses of ATM/STAR/VISA Debit Card. I have the account(s) (including such checking or savings) which you set forth on my application form. I hereby request that you issue to me a ATM/STAR/VISA Debit Card to be used in connection with such accounts as described in this Agreement. I understand I may use my ATM/STAR/VISA Debit Card with my Personal Identification Number (“PIN”) at a STAR or CIRRUS automated teller machine (ATM) to: (1) withdraw cash from my account(s); (2) effect transfers to or from my accounts; (3) make or arrange for deposits to my account(s); or

Certification, Authorization, and Signature. (s) Certification of Taxpayer Identification Number and Backup Withholding Under penalties of perjury, I/we certify that (1) the number(s) shown on this form is my/our correct taxpayer identification number, (2) I am/we are not subject to backup withholding because: (a) I am/we are exempt from backup withholding, or (b) I/we have not been notified by the Internal Revenue Service (IRS) that I am/ we are subject to backup withholding as a result of failure to report all interest or dividends, or (c) the IRS has notified me/us that I am/we are no longer subject to backup withholding, and (3) I am/we are a U.S. person (including a U.S. resident alien). Instructions: Cross out item 2 above if you have been notified by the IRS that you are currently subject to backup withholding because you failed to report all interest and dividends on your tax return. Complete a W-8 BEN if you are not a U.S. person. Joint Owner Account Agreement MSDFCU is hereby authorized to recognize any of the signatures subscribed hereto in payment of funds or the transaction of business for this account. The joint owners of this account hereby agree with each other and with said credit union that all sums now paid in on savings, heretofore or hereafter paid in on savings 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 be subject to the withdrawal or receipt of any of them, and payment to any of them or the survivor(s) shall be valid and discharge said credit union from any liability for such payment. Any or all of said joint owners may pledge all or part of the savings in this account as collateral security to a loan or loans. The right of authority of the credit union under this agreement shall not be changed or terminated by said owners, or any of them except by written notice to said credit union which shall not affect transactions theretofore made. Important Information About Procedures for Opening a New Account To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person, including business entities, who open an account. What this means to you: When you open an account, we will ask for your name, address, date of birth, social security number or Taxpayer Identification Number (TIN), and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Primary Member Signature Date Joint Owner Signature Date OFFICE USE ONLY MICR CHECKING / MONEY MARKET ACCOUNT AGREEMENT (a) Only checks/money market checks and other methods approved by the Credit Union may be used to withdraw funds from the Checking/Money Market Account; (b) The Credit Union is under no obligation to pay a check which exceeds the fully paid and collected balance in the Checking/Money Market Account; the Credit Union may, however, pay such a check/money market check and transfer savings to this account in the amount of the resulting overdraft, plus a service charge, from any other savings account from which any of the undersigned is then eligible to withdraw savings; (c) The Credit Union may pay a check/money market check on whatever day it is presented, notwithstanding the date (or any limitation on the time of payment) appearing on the check/money market check; (d) Except for negligence, the Credit Union is not liable for any action it takes regarding the payment or nonpayment of a check/money market check; (e) Any objection respecting any item shown on a monthly statement of this account is waived unless made in writing to the Credit Union before the end of 60 days after the statement is mailed; (f) The Checking/Money Market Account shall be subject to service charges in accordance with the rate schedules adopted by the Credit Union from time to time; (g) The use of the Checking/Money Market Account is subject to such other conditions and requirements as the Credit Union may establish from time to time; and (h) If signed by more than one person, this agreement is subject to the additional terms and conditions of any joint savings account agreement that applies to a savings account in our joint names. The undersigned (“I” or “we”), in consideration of the MSDFCU (“you” or “your”) issuing to me a ATM/STAR/VISA Debit Card hereby agrees to be legally bound by the following terms and conditions: 1. Accounts and Uses of ATM/STAR/VISA Debit Card. I have the account(s) (including such checking or savings) which you set forth on my application form. I hereby request that you issue to me a ATM/STAR/VISA Debit Card to be used in connection with such accounts as described in this Agreement. I understand I may use my ATM/STAR/VISA Debit Card with my Personal Identification Number (“PIN”) at a STAR or CIRRUS automated teller machine (ATM) to: (1) withdraw cash from my account(s); (2) effect transfers to or from my accounts; (3) make or arrange for deposits to my account(s); orjoint

Certification, Authorization, and Signature. (s) Certification of Taxpayer Identification Number and Backup Withholding Under penalties of perjury, I/we We certify that (1) the number(s) shown on this form is my/our correct taxpayer identification number, (2) I am/we are not subject to backup withholding because: (a) I am/we are exempt from backup withholding, or (b) I/we have not been notified by the Internal Revenue Service (IRS) that I am/ we are subject to backup withholding as a result of failure to report all interest or dividends, or (c) the IRS has notified me/us that I am/we are no longer subject to backup withholding, and (3) I am/we are a U.S. person (including a U.S. resident alien). Instructions: Cross out item 2 above if you have been notified by the IRS that you are currently subject to backup withholding because you failed to report all interest and dividends on your tax return. Complete a W-8 BEN if you are not a U.S. person. Joint Owner Account Agreement MSDFCU is hereby authorized to recognize any of the signatures subscribed hereto in payment of funds or the transaction of business for this account. The joint owners of this account hereby agree with each other and with said credit union that all sums now paid in on savings, heretofore or hereafter paid in on savings 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 be subject to the withdrawal or receipt of any of them, and payment to any of them or the survivor(s) shall be valid and discharge said credit union from any liability for such payment. Any or all of said joint owners may pledge all or part of the savings in this account as collateral security to a loan or loans. The right of authority of the credit union under this agreement shall not be changed or terminated by said owners, or any of them except by written notice to said credit union which shall not affect transactions theretofore made. Important Information About Procedures for Opening a New Account To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person, including business entities, who open an account. What this means to you: When you open an account, we will ask for your name, address, date of birth, social security Social Security number or Taxpayer Identification Number (TIN), and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Primary Member Signature Date Joint Owner Signature Date OFFICE USE ONLY Member Account #: MICR CHECKING / ID Scanned A9 On File W8 CHECKING/MONEY MARKET ACCOUNT AGREEMENT (a) Only checks/money market checks and other methods approved by the Credit Union may be used to withdraw funds from the Checking/Money Market Account; (b) The Credit Union is under no obligation to pay a check which exceeds the fully paid and collected balance in the Checking/Money Market Account; the Credit Union may, however, pay such a check/money market check and transfer savings to this account in the amount of the resulting overdraft, plus a service charge, from any other savings account from which any of the undersigned is then eligible to withdraw savings; (c) The Credit Union may pay a check/money market check on whatever day it is presented, notwithstanding the date (or any limitation on the time of payment) appearing on the check/money market check; (d) Except for negligence, the Credit Union is not liable for any action it takes regarding the payment or nonpayment of a check/money market check; (e) Any objection respecting any item shown on a monthly statement of this account is waived unless made in writing to the Credit Union before the end of 60 days after the statement is mailed; (f) The Checking/Money Market Account shall be subject to service charges in accordance with the rate schedules adopted by the Credit Union from time to time; (g) The use of the Checking/Money Market Account is subject to such other conditions and requirements as the Credit Union may establish from time to time; and (h) If signed by more than one person, this agreement is subject to the additional terms and conditions of any joint savings account agreement that applies to a savings account in our joint names. ATM CARD/STAR CARD/VISA® DEBIT CARD AGREEMENT The undersigned (“I” or “we”), in consideration of the MSDFCU (“you” or “your”) issuing to me a an ATM/STAR/VISA Visa® Debit Card hereby agrees to be legally bound by the following terms and conditions: 1. Accounts and Uses of ATM/STAR/VISA Visa® Debit Card. I have the account(s) (including such checking or savings) which you set forth on my application form. I hereby request that you issue to me a an ATM/STAR/VISA Visa® Debit Card to be used in connection with such accounts as described in this Agreement. I understand I may use my ATM/STAR/VISA Visa® Debit Card with my Personal Identification Number (“PIN”) at a STAR or CIRRUS automated teller machine (ATM) to: (1) withdraw cash from my account(s); (2) effect transfers to or from my accounts; (3) make or arrange for deposits to my account(s); oror (4) receive information regarding the balance in my account(s). I may also use the Visa® Debit Card to perform these transactions at any ATM bearing the Visa logo. I further understand that I may use my ATM/STAR/Visa® Debit Card at any retail establishment (“Merchant’) where ATM/STAR cards are accepted or where Visa® is accepted (Visa® Debit Card only) to purchase goods and services and/or to obtain cash where permitted by the Merchant (“Purchase”). If I use the ATM/STAR/Visa® Debit Card to make a Purchase, I shall be requesting you to withdraw funds in the amount of such Purchase (including any cash received from the Merchant) from my primary transaction account designated on my application form and directing or ordering you to pay such funds to the Merchant. I acknowledge that my PIN is not used in a Visa® point-of-sale purchase, and therefore I agree to take all reasonable precautions that no one else has access to my Visa® Debit Card. 2. Use of Personal Identification Number (“PIN”) with ATM/STAR/Visa® Debit Card. I understand that a STAR or CIRRUS ATM is an automated teller. It can and will perform many of the same tasks as a human teller. I acknowledge that the Personal Identification Number or PIN which I use with the Visa® Debit Card is my signature, identifies the bearer of the Card to the STAR/CIRRUS ATM or other network ATM and authenticates and validates the directions given just as my actual signature and other proof of identity authenticates and validates my directions to a human teller. I also understand that a Merchant which accepts the Visa® Debit Card for a Purchase transaction may have an electronic terminal (Merchant-Operated or self service) which requires the use of my PIN and when my PIN is used at a Merchant’s terminal, it will authenticate and validate the directions given just as my actual signature will authenticate and validate my directions given to you. I acknowledge that my PIN is an identification code that is personal and confidential and that the use of the PIN with the ATM/STAR/Visa® Debit Card is a security method by which you are helping me to maintain the security of my account(s). Therefore, I AGREE TO TAKE ALL REASONABLE PRECAUTIONS THAT NO ONE ELSE LEARNS MY PIN. 3. Liability for Unauthorized Transactions. I agree to contact you at once if I believe the ATM/STAR/Visa® Debit Card(s) issued to me or my PIN has been lost or stolen or money is missing from my account(s). I also agree that if my monthly statement shows transactions which I did not make, and I do not contact you within 60 days after the statement was mailed to me, I may not get back any money lost after that time. I AGREE THAT IF I GIVE MY ATM/STAR/VISA® DEBIT CARD(S) AND PIN TO SOMEONE ELSE TO USE, I AM AUTHORIZING THEM TO ACT ON MY BEHALF AND I WILL BE RESPONSIBLE FOR ANY USE OF THE CARD(S) BY THEM. 4. How to Contact STAR and Visa®. I agree to contact STAR or Visa® IMMEDIATELY if I believe my ATM/STAR/Visa® Debit Card issued to me or my PIN has been lost or stolen or that an unauthorized transfer or Purchase from any of my accounts has occurred or might occur, by phoning and by confirming such information in writing to you at: 5. Charges. I agree to pay the charges or transaction fees which are charged by you for these services or for services which may later be offered as such fees or charges may be imposed or changed from time to time.

Certification, Authorization, and Signature. (s) Certification of Taxpayer Identification Number and Backup Withholding Under penalties of perjury, I/we certify that (1) the number(s) shown on this form is my/our correct taxpayer identification number, (2) I am/we are not subject to backup withholding because: (a) I am/we are exempt from backup withholding, or (b) I/we have not been notified by the Internal Revenue Service (IRS) that I am/ we are subject to backup withholding as a result of failure to report all interest or dividends, or (c) the IRS has notified me/us that I am/we are no longer subject to backup withholding, and (3) I am/we are a U.S. person (including a U.S. resident alien). Instructions: Cross out item 2 above if you have been notified by the IRS that you are currently subject to backup withholding because you failed to report all interest and dividends on your tax return. Complete a W-8 BEN if you are not a U.S. person. Joint Owner Account Agreement MSDFCU is hereby authorized to recognize any of the signatures subscribed hereto in payment of funds or the transaction of business for this account. The joint owners of this account hereby agree with each other and with said credit union that all sums now paid in on savings, heretofore or hereafter paid in on savings 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 be subject to the withdrawal or receipt of any of them, and payment to any of them or the survivor(s) shall be valid and discharge said credit union from any liability for such payment. Any or all of said joint owners may pledge all or part of the savings in this account as collateral security to a loan or loans. The right of authority of the credit union under this agreement shall not be changed or terminated by said owners, or any of them except by written notice to said credit union which shall not affect transactions theretofore made. Important Information About Procedures for Opening a New Account To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person, including business entities, who open an account. What this means to you: When you open an account, we will ask for your name, address, date of birth, social security number or Taxpayer Identification Number (TIN), and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Primary Member Signature Date Joint Owner Signature Date OFFICE USE ONLY MICR CHECKING / MONEY MARKET ACCOUNT AGREEMENT (a) Only checks/money market checks and other methods approved by the Credit Union may be used to withdraw funds from the Checking/Money Market Account; (b) The Credit Union is under no obligation to pay a check which exceeds the fully paid and collected balance in the Checking/Money Market Account; the Credit Union may, however, pay such a check/money market check and transfer savings to this account in the amount of the resulting overdraft, plus a service charge, from any other savings account from which any of the undersigned is then eligible to withdraw savings; (c) The Credit Union may pay a check/money market check on whatever day it is presented, notwithstanding the date (or any limitation on the time of payment) appearing on the check/money market check; (d) Except for negligence, the Credit Union is not liable for any action it takes regarding the payment or nonpayment of a check/money market check; (e) Any objection respecting any item shown on a monthly statement of this account is waived unless made in writing to the Credit Union before the end of 60 days after the statement is mailed; (f) The Checking/Money Market Account shall be subject to service charges in accordance with the rate schedules adopted by the Credit Union from time to time; (g) The use of the Checking/Money Market Account is subject to such other conditions and requirements as the Credit Union may establish from time to time; and (h) If signed by more than one person, this agreement is subject to the additional terms and conditions of any joint savings account agreement that applies to a savings account in our joint names. The undersigned (“I” or “we”), in consideration of the MSDFCU (“you” or “your”) issuing to me a ATM/STAR/VISA Debit Card hereby agrees to be legally bound by the following terms and conditions: 1. Accounts and Uses of ATM/STAR/VISA Debit Card. I have the account(s) (including such checking or savings) which you set forth on my application form. I hereby request that you issue to me a ATM/STAR/VISA Debit Card to be used in connection with such accounts as described in this Agreement. I understand I may use my ATM/STAR/VISA Debit Card with my Personal Identification Number (“PIN”) at a STAR or CIRRUS automated teller machine (ATM) to: (1) withdraw cash from my account(s); (2) effect transfers to or from my accounts; (3) make or arrange for deposits to my account(s); or.