Thiokol Elkton Federal Credit Union
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  Account Agreement

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ACCOUNT NO.                                         NAME:                                                                               
COMPLETE ADDRESS:                                                                                                                            
EMPLOYER:                                              DEPT. OR OCCUPATION:                                            
HOME PHONE:                                         BUSINESS PHONE:                                                        
DATE OF BIRTH:                                     SSN:                                                                                   
MEMBERSHIP ELIGIBILITY:                                                                                                                  
I hereby make application for membership in the THIOKOL-ELKTON FEDERAL CREDIT UNION and agree to conform to the Federal Credit Union Act, National Credit Union Administration Rules and Regulations, the Credit Union policies, rules, regulations and bylaws and any amendments thereto and subscribe for at least one share.  The joint owner(s), if applicable, agree that the primary member may pledge all or any part of the shares in this account as collateral security for a loan or loans with this Credit Union.  By signing below, I/We acknowledge receipt of and agree to be bound by the terms of the Membership Account Agreement, Funds Availability Notice, Electronic Funds Transfer Agreement; Rate and Fee Schedule and Privacy Notice.  This account is established pursuant to the Annotated Code of Maryland, Financial Institutions Article, Section 1-204, et. seq.
DATE:                                                                      SIGNATURE: ________________________________________               
Any joint owner has a present right to draw upon the funds in this account.  If more than one joint owner is designated herein, the Credit Union will issue, upon the death of the primary member, one check payable to all joint owners who are then living.
(1)NAME:                                                      (1)SIGNATURE OF JOINT OWNER:                                                  
STREET:                                                       SSN:                                                                                       
CITY/STATE/ZIP:                                           DATE OF BIRTH:                                                                    
(2)NAME:                                                      (2)SIGNATURE OF JOINT OWNER:                                                  
STREET:                                                       SSN:                                                                                       
CITY/STATE/ZIP:                                           DATE OF BIRTH:                                                                    
CERTIFICATION AS TO TAXPAYER IDENTIFICATION NUMBER AND BACKUP WITHHOLDING
Under the penalties of perjury, I certify that: (1) the number shown on this form is my correct taxpayer identification number,  (2) I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding, and (3) I am 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 with- holding because you have failed to report all interest and dividends on your tax return.   Cross out item 3 and complete a W-8 BEN if you are not a U.S. person.

DATE:                                MEMBER SIGNATURE:                                                         

This application must be approved by the Board of Directors or Membership Officer.

DATE:                                MEMBERSHIP OFFICER:                                                      

Identification is required on all new accounts, including name, address, date of birth and social security number (or employer identification number).  Acceptable forms of identification include Driver's License; Birth Certificate; U.S. Passport; Social Security card when accompanied by a picture ID. Customer identification will be verified to determine whether the customer appears on any list of known or suspected terrorist organizations provided by the Federal Government.