Morgan's Innovators Membership Application

Joint Account:

Joint Account with Rights of Survivorship On the death of an owner of the account, the deceased owner's interest in the account passes to the surviving owner (s) of the account.

Joint Account without Rights of Survivorship On the death of an owner of the account, the deceased owner's interest in the account passes to the surviving owner(s) of the account.

AUTHORIZATION

By signing below, I/we agree to the terms and conditions of the Membership and Account Agreement, Truth-in-Savings Disclosure, Funds Availability Policy Disclosure, if applicable, and to any amendment the Credit Union makes from time to time which are incorporated herein. I/We acknowledge receipt of a copy of the agreements and disclosures applicable to the accounts and services requested herein. If an access card or EFT service is requested and provided, I/we agree to the terms of and acknowledge receipt of the Electronic Fund Transfers Agreement and Disclosure. The Internal Revenue Service does not require your consent to any provision of this document other than the certifications required to avoid backup withholding.

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