By submitting an application, I/we agree to the terms and conditions of the membership and account agreement, truth-in-savings rate and fee schedule, CU Online, Bill Payer and E-Statements disclosures, funds availability policy disclosures, 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 agreement and disclosures applicable to the accounts and services requested therein. If an ATM card of EFT service or debit card is requested and approved, I/we agree to the terms and acknowledge receipt of the electronic funds transfer agreement. I authorize the credit union to obtain my credit report to determine creditworthiness for credit products offered by Capital Credit Union. Under penalties of perjury, I certify that the Social Security Number (SSN) / taxpayer number I have listed is my correct number and that I am not subject to backup withholding. The Internal Revenue Service does not require your consent to any provision of this document other than the certifications required to avoid back up withholding.