Steps to Switch Your Checking Account to CACU

1717 Western Avenue P.O. Box 141239 (513) 381-3070 (800) 735-7929 Steps to Switch Your Checking Account to CACU Step 1 Complete CACU Account Application and an Authorization for Overdraft Options forms. Send them to us with your initial $25 deposit. Your free first 50 checks will be ordered and sent to you when your application is approved. You will receive your checks and Debit MasterCard within 7-10 days. Step 2 (If Necessary) The Automatic Payment Form can be used to change your automatic payments to your CACU account. It will notify the company to stop the deduction from your previous account. Complete, sign and mail one copy of this form to each company you currently authorize to make automatic payments from your account. You may want to confirm that all transfers are complete before closing existing accounts. Step 3 Use the Request to Close Account form to close existing accounts with other financial institutions. Complete, sign and mail one copy for each account you want to close. Checks may be mailed directly to CACU for deposit in your account. You may want to confirm that all transactions have been completed before closing the account. Step 4 Submit a Payroll Deduction/Direct Deposit form to your employer changing your deposit to your CACU account. Your employer may have their own forms. Step 5 For 24/7 access and management of your account, log on to your account at our Internet Branch, www.cacu.org, Check for your direct deposits and debit card transactions, get copies of checks, and order more checks. You can also use our Bill Payment Service by clicking on Bill Payment from the menu bar, and select Bill Payment Transaction. Step 6 Enjoy the savings and request Member Select status to save even more!

ACCOUNT CARD MEMBERSHIP AND SERVICES APPLICATION NEW CHANGE OTHER 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 who opens an account. What this means to you: When you open an account, we 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 or other identifying documents. 1. MEMBER INFORMATION: Print Your Full Legal Name (Including Middle Initial and Suffixes Jr., Sr.,) Account Number: Title of Account (If Different from Above): of Birth: Membership Eligibility: Street/Residential Address: City: State/Zip: Mailing Address (If different from street address): City: State/Zip: Home Phone# Work Phone# Cell Phone# Mother s Maiden Name: Employer: Occupation: Email address: Alternate E-mail: Member SSN or TIN: ID Type: ID#: ID Issue : ID Expiration : State or Country of Issuance: 2. OTHER: Parties listed herein will be deemed JOINT Owners with Right of Survivorship unless you select one of the following: TRUSTEE, CUSTODIAN, AUTHORIZED SIGNER, OTHER (Describe) Print Your Full Legal Name (Including Middle Initial and Suffixes Jr., Sr.,) of Birth: Street/Residential Address: City: State/Zip: Mailing Address (If different from street address): City: State/Zip: Home Phone# Work Phone# Cell Phone# Mother s Maiden Name: Employer: Occupation: SSN or TIN: ID Type: ID#: ID Issue : ID Expiration : State or Country of Issuance: Print Your Full Legal Name (Including Middle Initial and Suffixes Jr., Sr.,) of Birth: Street/Residential Address: City: State/Zip: Mailing Address (If different from street address): City: State/Zip: Home Phone# Work Phone# Cell Phone# Mother s Maiden Name: Employer: Occupation: SSN or TIN: ID Type: ID#: ID Issue : ID Expiration : State or Country of Issuance: 3. PAYABLE ON DEATH (POD): COMPLETE ONLY IF POD NOT TO BE USED FOR OTMA Print Full Legal Name (Including Middle Initial and Suffixes Jr., Sr.,) Relationship: Beneficiary s SSN/TIN: Address: of Birth: Percentage paid to beneficiary Print Full Legal Name (Including Middle Initial and Suffixes Jr., Sr.,) Relationship: Beneficiary s SSN/TIN: Address: of Birth: Percentage paid to beneficiary This POD Designation only applies to the Account Number(s) listed above. I/We understand that I/We can individually or jointly withdraw the money in these accounts during my/our lifetime. I /We understand that these accounts will belong to the named beneficiary(ies), and will not be inherited by my/our heirs, or controlled by will. The provisions set forth in the Membership Agreement with the Credit Union will govern payment.

4. ACCOUNTS & SERVICES: {All Accounts Selected will be Jointly Owned with Right of Survivorship if this Card Lists any Joint Owner(s) } Savings Account Share Certificate Account OTMA Account ATM/Debit Card* Checking Account Money Market Account Trust Account Overdraft Protection* Alternate Savings Account Rep Payee Account Other: Payroll Deduction/Direct Deposit* E-Statement(Check and initial here to opt out of this service) * A separate application is required for this service. CHECKING ACCOUNTS: Checks will be printed using the names and the address of the Member as they appear above. CACU is authorized to pay checks signed by me (or by us) and to charge all such payment against the shares in this Account. All items accepted for deposit or collected are subject to final credit determined by applicable laws and procedures. It is further agreed that: (a) Only credit union issued checks blanks and other methods approved by the Credit Union may be used to make withdrawals from this Account; (b) The Credit Union is under no obligation to pay a check that exceeds the fully paid and collected share draft balance in this Account. However, if any of the undersigned writes a check that would exceed such balances and result in this Account being overdrawn, the Credit Union may: (1) Treat such checks as a request to the Credit Union for advance from a pre-approved overdraft protection loan account if such loan account is previously applied for, approved and established. (2) If none of the undersigned is then eligible to receive a loan advance as provided above, the Credit Union may, nevertheless, pay such checks and transfer shares to this account in the amount of the resulting overdraft, plus a service charge, from any other regular share savings and/or share draft account from which any of the undersigned is then eligible to withdraw shares. 3) Pay such checks in the amount of the resulting overdraft, plus a service charge, overdrawing the account, by the total amount, (4) In any event, members(s) agrees(s) to pay the Credit Union the sum of all overdrafts upon demand. (c) The Credit Union may pay a check on whatever day it is presented for payment, notwithstanding the date (or any limitation on the time of payment) appearing on the check. (d) When paid, checks become the property of the Credit Union and will not be returned either with the periodic statement of this Account or otherwise. (e) The Credit Union is not liable for any action it takes regarding the payment of a check or the order in which the checks are paid. (f) Any objection respecting any item shown on a periodic 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. (g) This Account is subject to the Credit Union s right to require advance notice of withdrawal, as provided in its bylaws. (h) This Account is also subject to such other terms, conditions and services as the Credit Union may establish from time to time. (I) The Credit Union may at any time (without prior notice) impress or enforce a lien on any part of your accounts by setting off the funds in this account against any debt owed to us now or in the future, by any account owner having the right to withdrawal. Such setoff is except as prohibited by law. (j) Stop payment on any check can be requested by calling or submitting in writing to the Credit Union, during regular Credit Union business hours, a request with the exact amount, date, number, payee and such other information that may be necessary to identify the check properly. Notice must be provided in a manner allowing the Credit Union reasonable opportunity to act on the request. If you call we may also require you to put your request in writing and get it to us within 14 days after you call. (k) The Credit Union may close this account at any time by mailing a notice to the primary account owner with a remittance for the balance therein or upon transferring said balance to another Credit Union deposit account in the name of same owner. The Credit Union shall not be liable for refusing to pay any check presented after an account is so closed. FEDERAL TAXPAYER IDENTIFICATION AND BACKUP WITHHOLDING CERTIFICATION: For U.S. Citizens and Resident Aliens: In addition to my agreement with the Credit Union, by signing of this Account Card, I certify under the penalties of perjury that: (1) The Taxpayer Identification Number (TIN) or Social Security Number (SSN) listed on this Card is my/the correct TIN/SSN (2) I am NOT subject to backup withholding because: (a) I am exempt, (b) I have not been notified by the IRS that I am subject to backup withholding, 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). Certification Instructions: You must cross out item (2) above if you have been notified by the IRS that you are subject to backup withholding because of your failure to report all dividends and interest on your tax returns. If you are not a U.S. person: You must complete and provide to the Credit Union IRS Form W-8BEN Note: If you own the income or account jointly with one or more other persons, the income or account will be treated by the withholding agent as owned by a foreign person if Forms W-8BEN are provided by all of the owners. If the withholding agent receives a Form W-9 from any of the joint owners, the payment must be treated as made to a U.S. person. AUTHORIZATION: By signing this card, I/We hereby make application for membership in and agree to conform to the Bylaws, as may be amended from time to time, of Communicating Arts Credit Union (CACU). I certify that I am within the field of membership of this Credit Union; the signature(s) on this card apply to all accounts designated above; and all information provided is true and correct. I/We also acknowledge that I/We have received at time of membership application, and agree to be bound by the terms and conditions of the Membership Application and Account Agreement, Truth-in- Savings, Rate Information, Fee Schedule, Funds Availability, Privacy Policy, EFT Disclosure, Courtesy Pay, whether applicable, to the products and services I am currently requesting, or request in the future, and to any amendment the Credit Union makes from time to time which are incorporated herein. The IRS does not require your consent to any provisions of this document other than the certification required to avoid backup withholding. All present and future deposits to the account(s) designated above secure payment of any account owner's obligations to the Credit Union. I/We authorize CACU to obtain credit reports in connection with this application for membership, services and/or credit, and for update, renewal or extension of the credit received, if applicable, or for any other legitimate business purpose. I/We understand that the Credit Union reserves the right to request additional financial information from me/us. I/We further authorize the Credit Union to check my/our credit, employment, salary history or obtain information about me/us from a third party. X X X X For Credit Union Use Only CIP Worksheet Documentary Verification: Indicate each document used for verification. Retain legible copy. *Exception - Military ID(do not photocopy or scan) Primary State-issued ID Card Driver s License Military ID Card Passport U.S. Alien Registration Card Non-Documentary Verification: Document evidence below including Chex Systems and Credit Bureau reports [pulled on new members and new checking accounts for primary members over the age of 18]. OFAC check : By: Fair Good Excellent Chex System Query : By: Open Review Decline Credit Bureau Report : By: Score: Notes: Secondary identification : By: List: CIP Completed By: : Revised 10/25/12

AUTHORIZATION FOR OVERDRAFT OPTIONS Communicating Arts Credit Union offers several options for how you would like us to handle transactions that result in an overdrawn balance for your checking account. Please indicate the services you would like to use. You may choose more than one, in which case your choices will apply sequentially from top to bottom: Overdraft Protection from Savings - an automatic transfer from your Savings Account. (Up to the federal regulation limit of 6 transfers per month.) There is a $2 fee for each automatic transfer that occurs. Overdraft Line-of-Credit Loan Subject to credit approval, advances on your line-of-credit can be made to provide protection for an overdraft within your limit. No fee is charged for this option. Interest will be charged on the outstanding balance at Communicating Arts current interest rate. Courtesy Pay If no funds are available from the other overdraft options, your check or preauthorized debit may be paid resulting in a negative balance up to $500 for your checking account. This service is offered at the discretion of Communicating Arts Credit Union and is a purely discretionary courtesy or privilege that we may provide for you. Your account will be charged a $28 Courtesy Pay fee for each item. To qualify for this service: You must be at least 18 years old. Your eligible account must be opened for at least 30 days. All credit union accounts must be in good standing, and current on any loan, including credit cards. You must have had a positive balance in your account at least one time in the last 32 days. The aggregate non-transfer deposits in your checking account have totaled at least $500 in the last 32 days. There are no legal orders outstanding against your account. This service may be revoked by you by notifying us in writing at Communicating Arts Credit Union, PO Box 141239, Cincinnati, OH 45250-1239, or by a message sent through our Internet Branch Mail Center. This change will be in effect within 1 business day after your request is received. None at this time. My choices are indicated above. Primary Member Joint Owner For Staff Use Only: Staff initial Transfer record for Savings rev. Nov. 2011 Overdraft Loan Application Courtesy Pay Warning

Courtesy Pay Disclosure Courtesy Pay may provide certain checking account holders with the ability to overdraw your personal checking account generally up to $500. Communicating Arts Credit Union is not obligated to pay any item presented for payment if your account does not contain sufficient collected funds. If your personal checking account has been opened at least 30 days and, as the primary account holder, you are at least 18 years of age, and your account is in good standing generally defined as: 1) your Communicating Arts loan and your Communicating Arts credit card are current, 2) you have had a positive balance in your account at least one time in the last 32 days, 3) the aggregate non-transfer deposits in your checking account have totaled at least $500 in the last 32 days, and 4) there are no legal orders outstanding against your account, Communicating Arts Credit Union may, at our sole discretion, pay overdrafts generally up to $500, including our normal Courtesy Pay fee, which is currently $28. Communicating Arts Credit Union may refuse to pay an overdraft at any time even though we may have previously paid overdrafts on your account. We have no obligation to notify you before we pay or return an item. The amount of any overdrafts, plus our Courtesy Pay fee(s) that you owe us, is due and payable upon demand. If Communicating Arts Credit Union pays an overdraft on an account with more than one owner on the signature card, each owner (or agent of owner) is jointly and severally liable for payment of the overdrawn amount plus any Courtesy Pay fees. This non-contractual courtesy of paying overdrafts requires no action by you and is not a loan. No additional agreements need to be signed and it costs nothing unless you use the privilege by initiating checks, electronic funds transfers or other payment or withdrawal requests for more than is on deposit in your account. New checking accounts may opt in to this program by completing an Overdraft Options Authorization form. To opt out you must notify us in writing at: Communicating Arts Credit Union, Attn: Member Service, P O Box 141239, LIMITATIONS: Courtesy Pay is only available to eligible personal checking accounts. Business accounts, savings accounts, money market accounts, minor accounts and other non-personal accounts are not eligible for this service. Communicating Arts Credit Union may limit the number of accounts eligible for Courtesy Pay to one per household.

1717 Western Avenue PO Box 141239 Phone: 513-381-3070 Fax: 513-421-3508 www.cacu.org To: Automatic Payment Change Form Company Name Company Address City State Zipcode Account Number with Company From: Account Owner Name Address City State Zipcode Daytime Phone Number Please redirect my Automatic Payment to my Communicating Arts Credit Union account effective: Immediately or Beginning 242076711 CACU Account Number Routing Number Checking Savings Social Security Number Daytime Phone Number This form can be used to change your automatic payments to your CACU account. It will notify the company to stop the deduction from your previous account. Complete, sign and mail one copy of this form to each company you currently authorize to make automatic payments from your account. You may want to confirm that all transfers are complete before closing existing accounts.

Request to Close Account To Whom It May Concern: Please close my account as described below and mail a check payable to the first name listed on the account for the remaining balance in the account. The check can be mailed to the following address. Name(s) on Account Address City State Zipcode Social Security Number Account Number Type of Account Thank you for your assistance and prompt attention to this matter. Sincerely, Joint Account 1717 Western Avenue PO Box 141239 Phone: 513-381-3070 Fax: 513-421-3508 www.cacu.org Use this form to close existing accounts. Complete, sign and mail one copy for each account you want to close. Checks may be mailed to CACU for deposit in your account. You may want to confirm that all previous transactions have been completed before closing the account.

1717 Western Avenue PO Box 141239 Phone: 513-381-3070 Fax: 513-421-3508 www.cacu.org Direct Deposit Authorization ACCOUNT OWNER INFORMATION Last Name First Name Street Address City State Zipcode Work Phone Home Phone Social Security Number DIRECT DEPOSITOR INFORMATION Company Name Company Phone Number Employee ID Number &/or Department I authorize my Net Pay or Fixed Amount to be deposited to my Communicating Arts Credit Union account each pay date. This is a NEW Authorization for Direct Deposit Please CHANGE my existing authorization and transfer my direct deposit from my previous account to CACU on the next due date. 242076711 CACU Account Number Routing Number Savings Checking Daytime Phone Number This form may be used to change your direct deposit to your CACU account. (Some employers require the information be provided on their own forms.) Complete, sign and return a copy of this form to your Human Resources or Payroll department.