Membership Application

Checklist
To speed up the processing of your application, please follow these steps:
1. If you are 18 or older, complete your membership application online by visiting dcu.org. If not,
2. Fill out the application completely and sign it. Incomplete, unsigned, or illegible applications will result
in delays.
3. Include originals or true copies of the required identification (see below) for both Primary Member and Joint
Owner(s). Two of the following forms of identification one of which must include a picture and one of which
must reflect your current address. (If one of these forms of identification includes both, you need only submit that
one.):
• Valid US Driver’s License • US Social Security Card • Passport
• Utility Billing Statement • US Military ID • US Work Visa
• Other Picture ID Issued by US Federal, State, or Local Government

• 2nd form of identification always required with Federal, State or Local ID card
NOTE: If the Primary Member or Joint Owner is under the age of 18, please provide a true copy of their US
Social Security Card or Birth Certificate.

DCU reserves the right to require additional information.

4. Social Security Number or ITIN is required for all applicants.

5. You must provide a minimum deposit of at least $5.00 to a Primary Savings Account to open your membership.
NOTE: Each Membership is limited to one core savings product (i.e., Primary Savings Account or Savings
Account, as applicable). For additional savings options please visit dcu.org or stop by any branch location.

6. Return your application, check (if applicable), and copies of your identification by mail to:
Digital Federal Credit Union
New Accounts Department
PO Box 9130
Marlborough, MA 01752-9130

If your minimum opening deposit is made using an electronic check or an existing DCU account transfer,
you may fax your completed application and copies of your identification to 508.463.1369 or email them to
specializedaccounts@dcu.org. NOTE: Emails sent to us at the email address listed here are not
encrypted, so you should not use this email address to send Account numbers or other personal
information.

PO Box 9130 | Marlborough, MA 01752-9130 1

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DCU Membership
Eligibility
For the purposes of this Application the following individuals are considered within DCU’s field of
membership and eligible to join. Individuals who:

(1) Live, work, worship, or attend school in one of the communities in DCU’s field of membership.
(2) Are spouses, domestic partners, children, grandchildren, parents, grandparents, or siblings (including adoptive,
in-law, and step relationships) of a current DCU member or of a Joint Owner who is eligible for membership as
described in this section; or,
(3) Work for, belong to, or have retired from one of the participating companies, organizations, or associations in
DCU’s field of membership.
The current list of participating companies, organizations, associations, and communities is available online at:
dcu.org/about/member-eligibility.html.

What You Can Expect

If submitting your application electronically, please allow 3-5 business days for the following:
• Your membership application to be processed and for receipt of your new membership card information.
• Your New Member Welcome Kit.
• Your DCU PIN (Personal Identification Number).

If you are opening a DCU Free Checking account, please also...

• Allow 7-10 days for your DCU Visa® Debit Card to arrive.
NOTE: Application submission via standard mail will increase processing time.

PO Box 9130 | Marlborough, MA 01752-9130 2

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DCU ONLY: Member #
(Assigned by DCU)

Membership Application

Instructions:
All sections must be completed. Please review entire application and complete additional sections as applicable. Include no
less than $5 with this application. Incomplete, unsigned, or illegible applications will result in delays.

Important Information
We are required, by federal law, to obtain, verify, and record information that identifies each person opening or having access to a DCU Account.
We will ask for your legal name, US residential address, Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), Phone
Number, and Date of Birth. REQUIRED IDENTIFICATION: No individual can be named on this account in any capacity without having provided
the following current identification, one of which must include a picture and one of which must reflect the Individual’s current US residential
address as given. If one of these forms of identification includes both you need only submit that one: • US Driver’s License • US Social Security
Card • Passport • US Military ID • US Work Visa • Other Government Issued picture ID (2nd ID always required) • Utility bill (for US residential
address verification only). DCU reserves the right to request additional identification. For purposes of verifying the US residential address only,
you may also submit a copy of a utility or other bill reflecting the address.

If you are already a DCU member, you are not required to provide the REQUIRED IDENTIFICATION, but you must provide your DCU Member #,
Legal Name, and SSN below.

1. GENERAL INFORMATION – PLEASE PRINT CLEARLY

Primary Owner

Legal First Name Middle Initial Legal Last Name

MUST enter Primary Owner’s SSN or ITIN

Social Security or Tax ID #

DOB

Occupation
Use specific description such as doctor, carpenter, attorney, plumber, truck driver, hardware store, etc. If occupation is self-employed,
retired, or unemployed, add the former profession if known. Example: Retired plumber.

US Residential Address

City State Zip

Mailing Address (If different than US residential address)

City State Zip

Home Phone Cell Phone Work Phone

Email Address

PO Box 9130 | Marlborough, MA 01752-9130 3

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Joint Owner

Membership Number (Existing DCU Members only)

Legal First Name Middle Initial Legal Last Name

Social Security or Tax ID # DOB

Occupation
Use specific description such as doctor, carpenter, attorney, plumber, truck driver, hardware store, etc. If occupation is self-employed,
retired, or unemployed, add the former profession if known. Example: Retired plumber.

US Residential Address

City State Zip

Mailing Address (If different than US residential address)

City State Zip

Home Phone Cell Phone Work Phone

Email Address

2. ACCOUNTS & SERVICES

Instructions:
I will check “Individual” for those accounts or services for which I am applying in my name only, “Joint” when applicable
ONLY when I want that account accessible to the Joint Owner I listed above. NOTE: If I give my PIN to my Joint Owner,
that Joint Owner will be able to access the Membership via Easy Touch Telephone Teller and Digital Banking, as well
as with a DCU Debit or ATM Card if one is ordered in that Joint Owner’s name.

Individual Joint
Primary Savings Account (please include no less than $5 with this application – required
to open and maintain Membership)

Personal Identification Number (PIN) for Electronic Service usage. (I understand this
will be generated and mailed to the Primary Owner’s address.)

Electronic Accessibility via Digital Banking and Easy Touch Telephone Teller

PO Box 9130 | Marlborough, MA 01752-9130 4

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Individual Joint
FREE Checking*
I have read the Disclosure on the last page of this Application and would like to:
Please read Opt-in to Overdraft Payment Service (Full)
if opening
Free Checking Opt-in to Overdraft Payment Service (Basic) but do not want DCU to Authorize and pay
overdrafts for my everyday debit card transactions processed outside of the PIN network.
(I understand that I will receive an acknowledgement of this request in 2 business days)

Visa® Debit Card**, OR

Savings ATM Card**

Smart Savings Account NOTE: The DCU Smart Savings account is an interest earning sweep
account where a portion of the account balance is automatically swept out to accounts held at
participating FDIC and/or NCUA insured banks and/or credit unions throughout the country while you
maintain access to the full balance in the account. Please refer to DCU’s Smart Savings Terms and
Conditions for important information and disclosures regarding the Smart Savings account.

Advantage Savings Account

Money Market Account ($1,000 minimum required to earn dividends) Please also
provide Money Market Checks** at this time.
*Upon Approval ** Allow 7-10 business days to receive

3. FIELD OF MEMBERSHIP

Field of Membership Selection:

MUST BE COMPLETED (Select One) if unsure please go to dcu.org for a complete listing of eligible entities.

I am eligible to join through my Employer:

Company Name

I am eligible to join as a member of:

Name of Organization or Association

I am eligible to join through the following Immediate Family Member sponsor (includes adoptive, in-law, and step
relationships) which you may verify: This person’s name is and
s/he is my:
spouse or domestic partner parent grandparent

child grandchild sibling

I will become eligible by joining an organization DCU serves. (NOTE: Requires an additional fee or donation to the
organization.) Please select:

Reach Out for Schools - $10 one-time donation

New England Chapter, PRRT&HS - $15 one-time donation
Merrimack River Watershed Council (MRWC) - $35 one-time donation
OARS (Organization for the Assabet, Sudbury & Concord Rivers) - $30 one-time donation
SHOLAN FARMS - $25 one-time donation
SOLF (Southborough Open Land Foundation) - $25 one-time donation
The Free Software Foundation - $120 one-time donation
Worcester County Horticultural Society – Tower Hill Botanic Garden - $55 one-time donation

PO Box 9130 | Marlborough, MA 01752-9130 5

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 4. OPENING DEPOSIT

Opening Deposit Selection:

Minimum $5 is required to open and maintain Membership with DCU. If applicable, additional organizational fee or donation
may be required for joining an organization. The opening deposit will be credited to your Primary Savings account.

Select ONE:

Electronic Check (NOTE: You must be an owner on this account)

MAXIMUM DEPOSIT LIMIT OF $250

Routing Number Name on Account

Account Number Institution Name

Account Type
Institution Address City
Checking Savings

State Zip

I hereby authorize the initiation of a one-time debit from my account at the financial institution named above
through the Automated Clearing House (ACH) system and authorize said institution to debit my account for the
amount set forth above. I acknowledge that this request does not violate the provisions of United State law as
it applies to ACH transactions. I also authorize adjustment entries in the event of erroneous transactions on my
account. I agree to hold DCU harmless for any expenses, including fees, incurred as a result of its inability to
process a scheduled preauthorized withdrawal due to my having supplied incorrect information; its having acted
on a stop payment order; or there being insufficient funds in the account I have indicated. Initials:

Existing DCU Account Transfer (NOTE: You must be Primary or Joint Owner of the account)

Member Number Share Number

Check or Money Order (NOTE: Must be enclosed with application to avoid processing delays)

Total Opening Deposit: $

Minimum $5 plus, if applicable, any organizational fee/donation for Field of Membership.

PO Box 9130 | Marlborough, MA 01752-9130 6

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 5. AGREEMENT AND TIN CERTIFICATION

Agreement:

By signing below, I am applying for membership at DCU, and I certify that:

• The information provided by me related to this application is true, correct, and complete; otherwise, DCU may demand
payment in full on any debt I have outstanding with you and/or revoke any DCU services I use;
• I am within the field of membership, whether by way of employment, organizational or associational affiliation, or an
immediate family relationship as defined in DCU’s Account Agreement for Consumers;
• I read and agree to the terms and conditions of the Account Agreement for Consumers, the Schedule of Fees and
Service Charges, the Privacy Policy, and the Overdraft Payment Service Disclosure (if opting in), each of which is
incorporated in this application by this reference. These disclosures are available for review at www.dcu.org or upon
request by contacting DCU and will also be delivered to me after my membership is approved.
• I understand that my membership, once approved, will automatically include a Primary Savings Account, as well as
access to Digital Banking and Easy Touch Telephone Teller.
• If I, the Primary Owner, am under 17 years of age, I understand that I must have a parent or guardian of legal age
become a Joint Owner on any checking account(s) I have with DCU.
• I hereby provide written instructions and authorization to DCU to obtain consumer reports, such as credit reports and
deposit/share account reports, and to gather and exchange whatever credit, account, and employment information
DCU considers appropriate from time to time, and I understand that DCU may make credit or other decisions based in
whole or in part on this information.

CERTIFICATION AS TO TAXPAYER IDENTIFICATION NUMBER AND BACKUP WITHHOLDING

Under penalties of perjury, I certify that: (1) The TIN shown on this application is my correct taxpayer
identification number. And (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, (3) I am a U.S. person (including a U.S. resident alien).
Certification Instructions: Cross out item 2 above if you have been notified by the IRS that you are currently
subject to backup withholding 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.

THE IRS DOES NOT REQUIRE YOUR CONSENT TO ANY PROVISION OF THIS DOCUMENT OTHER THAN THE
CERTIFICATIONS REQUIRED TO AVOID BACKUP WITHHOLDING.

Primary Owner’s Signature Date Joint Owner’s Signature Date

Please sign this application. Typed names will not be accepted unless verified as a digital signature.

DID YOU REMEMBER TO:

• Write clearly • Enter your Social Security # • Include initial deposit of at
least $5
• Sign (Primary and Joint Owner) • Include Required Identification

INTERNAL USE ONLY: Rec’d Proc. By # Ver. By # SDC #

Primary ID Type # Issue Date Exp.

Add’l Doc.

Joint ID Type # Issue Date Exp.

Add’l Doc.

PO Box 9130 | Marlborough, MA 01752-9130 7

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 DCU SMART SAVINGS

TERMS and CONDITIONS

Effective July 2023

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 DCU Smart Savings

Terms and Conditions

Contents
Page
I. Introduction 3
1. The Program 3
2. Insurance Eligibility 3
3. “Business Day” 3
4. Risks of the Program 3

II. Program Terms 4

1. Tax Identification 4
2. Relationship with Stable 4
3. Information about Stable 4
4. Sweep Process, Deposits, and Deposit Insurance 4
5. Deposit Insurance for FDIC and/or NCUA-Recognized Categories of Account Ownerships 5
6. Withdrawals 6
7. Ability to Exclude Receiving Financial Institutions 6
8. Your Responsibility to Monitor Your Deposit or Investment Options 6
9. Allocations to Receiving Financial Institutions 7
10. Dividends and Interest 7
11. Fees 7
12. Account Statements 7
13. Tax Reporting 8

III. Other Terms 8

1. Termination 8
2. Arbitration and Class Action Waiver 8
3. Other Agreements 8

Contact Us
If you have questions regarding the Program, you may contact DCU using any of the methods below.

Call our Information Center at: Write to us at: Email us:

800.328.8797 dcu@dcu.org or log in to Digital Banking and
Digital Federal Credit Union use the “Secure Email” link under “Contact Us”
Hours of operation: P.O. Box 9130
Weekdays from 8:00am to 9:00pm and Marlborough, Massachusetts Note: Email sent through the “Email DCU” link in
Saturdays from 9:00am to 3:00pm 01752-9130 Digital Banking will be encrypted to protect your
Attention: New Accounts Department personal information. Messages sent through
Our Information Center is not staffed on the Email/Feedback Contact Form on our public
Sundays or holidays observed by DCU webpage are not encrypted, so you should not send
account numbers or other personal information
through that form.

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 DCU Smart Savings

Terms and Conditions

I. Introduction
1. The Program. The terms and conditions set forth herein (“Terms and Conditions”) apply to the DCU Smart Savings Account
(“Smart Savings Account”) and supplement DCU’s Account Agreement for Consumers. The Smart Savings Account is a product
with an automatic sweep of an amount of your cash balances held in your Smart Savings Account into accounts held at banks
and credit unions insured by the Federal Deposit Insurance Corporation (“FDIC”) or the National Credit Union Administration
(“NCUA”), respectively (“The Program”). Your Program funds will be deposited in deposit and/or share accounts (“Program Deposit
Accounts”) with those receiving banks and credit unions (“Receiving Financial Institutions,” and your funds in these Receiving
Financial Institutions are hereinafter referred to as “Program Deposits”), subject to the limitations described in these Terms and
Conditions. Any balance in your Smart Savings Account in excess of $250,000.00 will be swept into the Program up to the
Maximum Program Deposit Amount. Any balance in your Smart Savings Account that exceeds the Maximum Program Deposit
Amount will remain in your Smart Savings Account and will not be part of the Program. By opening your Smart Savings Account,
you agree to these Terms and Conditions, you agree that your Program Deposits will be transferred into the Program, and you
appoint DCU as your authorized agent, pursuant to these Terms and Conditions. Stable Custody Group II LLC (“Stable”) operates
the Program as an administrator. Unless terminated by DCU, your authorization and agency appointment of DCU shall remain in
effect until termination in accordance with these Terms and Conditions, and DCU has been afforded a reasonable opportunity to
act on such termination. In these Terms and Conditions, the words “DCU”, “we”, “us”, and “our” mean Digital Federal Credit Union,
and the words “you” and “your” mean each Smart Savings Account holder who is bound by these Terms and Conditions. YOU
UNDERSTAND THAT BY OPENING YOUR SMART SAVINGS ACCOUNT, YOU ARE INSTRUCTING DCU TO DIRECT THE
AMOUNT OF YOUR FUNDS IN EXCESS OF $250,000.00 IN THE SMART SAVINGS ACCOUNT TO THE PROGRAM DEPOSIT
ACCOUNTS UP TO THE MAXIMUM PROGRAM DEPOSIT AMOUNT. YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED
AND CAREFULLY READ THESE TERMS AND CONDITIONS IN CONNECTION WITH CHOOSING TO OPEN YOUR SMART
SAVINGS ACCOUNT. IF YOU HAVE ANY QUESTIONS, PLEASE CONTACT DCU.

2. Insurance Eligibility. While your funds are in the Smart Savings Account, your funds are eligible for National Credit Union
Administration (“NCUA”) insurance coverage through DCU and are not eligible for Deposit Insurance through the Program.
See Section II(5) for additional details. After your funds are swept into the Program Deposit Accounts and thereby become
Program Deposits, such Program Deposits become eligible for FDIC and/or NCUA insurance coverage (“Deposit Insurance”) at
the Receiving Financial Institutions and are not eligible for NCUA insurance coverage through DCU. IMPORTANT: your Program
Deposits, up to the maximum designated by DCU (“Maximum Program Deposit Amount”), will be eligible for Deposit Insurance
coverage. See Section II(4)(d) for additional details. The first $250,000.00 in the Smart Savings Account is eligible for NCUA
insurance coverage through DCU.

3. “Business Day”. For the purposes of these Terms and Conditions, “Business Day” means any day, except Saturday, Sunday,
and federal holidays.

4. Risks of the Program.

a. During the Business Day when your Program Deposits are transferred and being deposited into the Program, your funds
will be held for a limited amount of time intraday at one Receiving Financial Institution (“Intermediary Receiving Financial
Institution”) prior to being allocated and distributed among other Receiving Financial Institutions. While your funds are held
intraday at the Intermediary Receiving Financial Institution, to the extent your funds exceed the current SMDIA (defined in
Section II(4)(e) below), such funds may be uninsured. Once distributed from the Intermediary Receiving Financial Institution to
the Receiving Financial Institutions, the funds will be insured up to the amount of the Maximum Program Deposit Amount.
Stable has adopted procedures and controls to ensure the movement of funds in a timely manner each day and expects that
your funds will be sent by the Intermediary Receiving Financial Institution to the other Receiving Financial Institutions by the
close of business each day. However, in the event of a failure of wire transfer systems or communication facilities or other
causes beyond Stable’s control, resulting in your funds not being sent from the Intermediary Receiving Financial Institution to
the other Receiving Financial Institutions in a timely manner and remaining at the Intermediary Receiving Financial Institution,
your funds could, to the extent they exceed the current SMDIA, be uninsured until the next Business Day.

b. If you have balances in accounts outside of the Program at a particular Receiving Financial Institution, there is a risk that all
or a portion of your funds allocated to such Receiving Financial Institution by the Program will not be eligible for Deposit
Insurance. See Sections II(4)(f), II(5), and II(7) below for more information.

c. In the event of a failure of a Receiving Financial Institution, there may be a time period during which you may not be able to
access your money. If you have money at a Receiving Financial Institution outside the Program, this will negatively impact the

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 availability of Deposit Insurance for the total amount of your funds held within and outside the Program. If your deposits in a
Receiving Financial Institution exceed the then current SMDIA of such Receiving Financial Institution, the excess funds are not
covered by the Deposit Insurance.

d. Where your funds are held in savings deposit and/or share accounts, the return of your funds may be delayed. Receiving
Financial Institutions are permitted to, but rarely do, impose a delay of up to seven days on any withdrawal request from a
savings deposit and/or share account.

II. Program Terms

1. Tax Identification. To obtain Deposit Insurance in the Program, you must provide proper tax identification information to DCU.

2. Relationship with Stable. Stable is acting as DCU’s agent, and DCU is acting as your agent in establishing and maintaining
Program Deposit Accounts at Receiving Financial Institutions. The allocation process administered by Stable determines into
which Receiving Financial Institution(s) your money will be deposited to achieve up to the maximum amount of Deposit Insurance
available to you through the Program, which shall not exceed the Maximum Program Deposit Amount. See Section II(9),
Allocations to Receiving Financial Institutions.

3. Information about Stable. The Program, also known as the DDMSM Program with IDEA AllocationSM Feature, is offered by
DCU and Stable, a Delaware limited liability company. Stable is not a credit union, bank, broker-dealer, or investment adviser. None
of the Receiving Financial Institutions is an affiliate of Stable.

4. Sweep Process, Deposits, and Deposit Insurance.

a. You may open and maintain only one DCU Smart Savings Account at a time.

b. Your funds intended for deposit into the Program must be placed through a Smart Savings Account and cannot be placed
directly by you with Stable or any of the Receiving Financial Institutions.

c. You promise that your funds in the Smart Savings Account shall be irreversible and not subject to any lien, adverse claim, or
encumbrance.

d. Funds are swept from your Smart Savings Account into the Program once each Business Day and the amount of funds
subject to the sweep is calculated using the balance at the end of the prior Business Day. DCU will initiate the sweep process
on the first Business Day after the Business Day during which your Smart Savings Account is opened. Except as otherwise
provided in these Terms and Conditions, DCU will sweep funds in your Smart Savings Account into the Program on the next
Business Day. DCU will sweep funds in excess of $250,000.00 in your Smart Savings Account into the Program until the
total amount of your Program Deposits is equal to the Maximum Program Deposit Amount. If the funds to be swept from
your Smart Savings Account into the Program would cause your Program Deposits to exceed the Maximum Program Deposit
Amount, then such excess funds will remain in your Smart Savings Account.

e. Your Program Deposits will be allocated to one or more omnibus Program Deposit Accounts maintained at the Receiving
Financial Institutions held in the name of “Stable Custody Group II LLC, as Agent, for the Exclusive Benefit of its DDM
Participating Institution, as Agent, for the Exclusive Benefit of its DDM Customers, Acting for Themselves and/or Acting in a
Fiduciary Capacity for Others.” See Section II(9), Allocations to Receiving Financial Institutions. Deposit Insurance coverage
is available up to its standard maximum deposit (or share) insurance amount (“SMDIA”), which is $250,000.00 per legal
category of account ownership at each Receiving Financial Institution. Your Program Deposits are placed into accounts at the
Receiving Financial Institutions to provide you with up to $250,000.00 of Deposit Insurance coverage per Receiving Financial
Institution, subject to certain exceptions described in these Terms and Conditions. The $250,000.00 limit (i.e., the SMDIA)
includes your principal and accrued interest, when aggregated with all other deposits held by you directly, or through others,
in the same recognized legal category of ownership at the same Receiving Financial Institution. Deposit Insurance protects
you against the loss of your insured deposits in the event a Receiving Financial Institution fails. Deposit Insurance is backed by
the full faith and credit of the United States.

f. Because DCU, the Receiving Financial Institutions, and Stable are unaware whether you have any money on deposit outside
of the Program in a Receiving Financial Institution, that money will not be taken into account when your funds in the Program
are allocated to a particular Receiving Financial Institution. Therefore, you are responsible for monitoring the list of Receiving
Financial Institutions that hold your deposits. While Stable will cooperate with DCU to select appropriate Receiving Financial
Institutions, once funds of Members are allocated, Stable will not be able to modify the selection of Receiving Financial
Institutions due to the needs of any particular Member without making the same change for all Members. For this reason,
DCU will not be able to implement any request to exclude a particular Receiving Financial Institution. See Section I(4), Risks
of the Program. For example, if the then current SMDIA is $250,000.00 and you have a non-Program deposit account at
Financial Institution A of $200,000.00 and you also have $60,000.00 in the Program Deposits account at the same Financial
Institution in the same legal category of ownership, only $250,000.00 of your $260,000.00 is eligible for Deposit Insurance.

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 Whether Program Deposits are eligible for FDIC or NCUA insurance coverage depends on whether Financial Institution A is
an FDIC-insured bank or an NCUA-insured credit union.

g. In the event that a Receiving Financial Institution that holds your Program Deposits fails, payments of principal plus unpaid
and accrued interest up to the then-current SMDIA per legal category of account ownership will be made to you. Although
the FDIC and the NCUA normally make these payments within a few days of taking possession of a financial institution
as receiver, there is no specific time period during which the FDIC or the NCUA must make insurance payments available.
Furthermore, you may be required to provide certain documentation to the FDIC and/or the NCUA before insurance payments
are made.

h. Your account ownership will be evidenced by an entry on records maintained by DCU for each of the Receiving Financial
Institutions at which your funds are on deposit. You will not be issued any evidence of ownership of a Program Deposit
Account, such as a passbook or certificate. AT ANY TIME, YOU MAY VISIT DCU’S WEBSITE OR CONTACT DCU TO
OBTAIN A LIST OF RECEIVING FINANCIAL INSTITUTIONS THAT HOLD YOUR FUNDS.

5. Deposit Insurance for FDIC and/or NCUA-Recognized Categories of Account Ownership; Multi-Tiered
Fiduciary Relationships. To ensure that your Program Deposits are protected by Deposit Insurance to the fullest extent
possible under the Program, you should understand how Deposit Insurance applies to each FDIC and NCUA-recognized category
of account ownership.

a. FDIC Insurance

i. In general, the FDIC-recognized categories of account ownership include single ownership accounts; accounts
held by an agent, escrow agent, nominee, guardian, custodian, or conservator; annuity contract accounts;
certain joint ownership accounts; certain revocable trust accounts; accounts of a corporation, partnership, or
unincorporated association; accounts held by a depository institution as the trustee of an irrevocable trust;
certain irrevocable trust accounts; certain retirement and other employee benefit plan accounts; and certain
accounts held by government depositors. The rules that govern these categories of account ownership are very
detailed and very complex, and there are many nuances and exceptions. Complete information can be found at
the FDIC’s regulations set forth at 12 C.F.R. Part 330.

ii. FDIC regulations impose special requirements for obtaining pass-through FDIC insurance coverage, up to
the SMDIA (currently $250,000.00 for each FDIC-recognized category of account ownership), for multiple levels
of fiduciary relationships. In these situations, in order for FDIC insurance coverage to pass through to the true
beneficial owners of the funds, it is necessary (i) to expressly indicate, on the records of the insured depository
institution that there are multiple levels of fiduciary relationships, (ii) to disclose the existence of additional levels
of fiduciary relationships in records, maintained in good faith and in the regular course of business, by parties
at subsequent levels, and (iii) to disclose, at each of the level(s), the name(s) and the interest(s) of the person(s)
on whose behalf the party at the level is acting. No person or entity in the chain of parties will be permitted to
claim that they are acting in a fiduciary capacity for others unless the possible existence of such a relationship is
revealed at some previous level in the chain. If your funds in your Smart Savings Account are beneficially
owned through multiple levels of fiduciary relationships, you must take steps to comply with these special
requirements.

iii. For questions about FDIC insurance coverage, you may call the FDIC at 877.275.3342 or visit the FDIC’s
website at fdic.gov. You also may wish to utilize “EDIE The Estimator,” the FDIC’s electronic insurance calculation
program, which is found at fdic.gov/edie/index.html. Other information regarding FDIC insurance coverage
may be found at the “Deposit Insurance” section of the “Consumer & Resource Center” on the FDIC’s web site at
fdic.gov/quicklinks/consumers.html.

b. NCUA Insurance

i. In general, the NCUA-recognized categories of account ownership for member insurance coverage include
single ownership accounts; certain joint ownership accounts; certain revocable trust accounts and irrevocable
trust accounts; and certain retirement accounts. In addition, the NCUA allows certain account ownership types
to be treated as equivalent to members for insurance coverage purposes, although technically not considered
members of DCU, including accounts of government entities and other credit unions. Further, if a credit union is
classified by the NCUA as a Low-Income Credit Union, such insurance extends to additional categories of
ownership types. The rules that govern these categories of account ownership are very detailed and very
complex, and there are many nuances and exceptions. Complete information can be found at the NCUA’s
regulations set forth at 12 C.F.R. Part 745.

ii. The NCUA’s regulations impose special requirements for obtaining pass-through NCUA insurance coverage
(currently up to $250,000.00 for each NCUA-recognized category of account ownership) with respect to

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 a pooling of underlying members (including eligible non-members), including for multiple levels of fiduciary
relationships. In these situations, in order for NCUA insurance coverage to pass through to the true beneficial
owners of the funds, it is necessary (i) to expressly indicate, on the records of the insured depository institution,
the existence of a relationship which may provide a basis for additional insurance, (ii) to disclose the existence of
additional levels of such relationships in records, maintained in good faith and in the regular course of business,
by parties at subsequent levels, and (iii) to disclose, at each of the level(s), the name(s) and the interest(s) of the
person(s) on whose behalf the party at the level is acting. No person or entity in the chain of parties will be
permitted to claim that they are acting in a fiduciary capacity for others unless the possible existence of such
a relationship is revealed at some previous level in the records. If your Program Deposits are beneficially owned
through multiple levels of fiduciary relationship, you must take steps to comply with these special requirements.

iii. For questions about NCUA insurance coverage, you may call the NCUA at 800.755.1030 or visit the NCUA’s
website at ncua.gov. You may also wish to utilize “NCUA Share Insurance Estimator,” the NCUA’s electronic
insurance calculation program, which is found at mycreditunion.gov/share-insurance-estimator-home. Other
information regarding NCUA insurance coverage may be found at the “Share Insurance” section of the NCUA’s
website at mycreditunion.gov/share-insurance.

6. Withdrawals.

a. Withdrawals from your Program Deposit Accounts are made through your Smart Savings Account and cannot be made
directly by you through Stable or any of the Receiving Financial Institutions. Withdrawals include electronic withdrawals and
any other method of debiting your Smart Savings Account that DCU makes available. Funds from the Program Deposits will
generally be available to you on the same day you make a withdrawal request. In the event that DCU does not receive enough
funds to cover your entire withdrawal request (if, for example, Receiving Financial Institutions fail to send funds as instructed
by Stable or Receiving Financial Institutions are closed due to holidays or other events), the funding of all or a portion of your
withdrawal requests could be delayed.

b. You agree that DCU may cause your Program Deposits to be withdrawn from the Receiving Financial Institutions at any
time in any amount: (a) as required or authorized under these Terms and Conditions or your other agreements with DCU; (b)
to satisfy the requirements of any applicable law, rule, or regulation applicable to you, your funds, or any account (including
without limitation the Program Deposit(s)); (c) to satisfy any overdraft or other liability owed to DCU under these Terms and
Conditions or your other agreements with DCU; or (d) as otherwise authorized by applicable law, rule, or regulation applicable
to DCU. DCU may set-off and charge against your Smart Savings Account or Program Deposits, any liability, obligation, or
indebtedness that you owe to DCU, including without limitation any line of credit, loan, or other extension of credit made by
DCU to you and the amount of any fees and charges owed by you to DCU, in accordance with applicable law. DCU may, but
is not obligated to, satisfy any transfer using funds of DCU or otherwise to extend or grant credit (including intra-day credit)
to accomplish any transfer request or order related to the Program.

7. Ability to Exclude Receiving Financial Institutions.

a. At any time, you can visit DCU’s website or contact DCU to obtain the most recent list of Receiving Financial Institutions.
While Stable will cooperate with DCU to select appropriate Receiving Financial Institutions, once funds of Members are
allocated, Stable will not be able to modify the selection of Receiving Financial Institutions due to the needs of any particular
Member without making such change for all Members.

b. You can obtain publicly available financial information concerning any of the Receiving Financial Institutions at

i. For FDIC-insured Receiving Financial Institutions: visit ffiec.gov/NPW or by contacting the FDIC Public
Information Center by mail at 3501 North Fairfax Drive, Room E-1005, Arlington, VA 22226 or by phone at
877.ASK.FDIC (877.275.3342).

ii. For NCUA-insured Receiving Financial Institutions: visit mapping.ncua.gov/ResearchCreditUnion.aspx or

by contacting the NCUA Consumer Assistance Center by mail at 1775 Duke Street, Alexandria, VA 22314 or by
phone at 800.755.1030.

Neither Stable nor DCU is responsible for any insured or uninsured portion of any deposits at any Receiving Financial
Institution or guarantees the financial condition of any Receiving Financial Institution or the accuracy of any publicly available
financial information concerning a Receiving Financial Institution.

8. Your Responsibility to Monitor Your Deposit or Investment Options. Neither Stable nor DCU has any obligation to
monitor your accounts or make recommendations about, or changes to, the Program that might be beneficial to you. As returns
on the Program Deposits, your personal financial circumstances and other factors change, it may be in your financial interest to
change your deposit instructions. You may determine what options are available and the current rates and returns thereon at any
time by visiting DCU’s website or contacting us in any of the ways listed under “Contact Us”.

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9. Allocations to Receiving Financial Institutions.

a. Stable establishes an omnibus Program Deposit Account on behalf of DCU and other sending institutions. You authorize
DCU to act as your agent and DCU authorizes Stable to act as its agent at each Receiving Financial Institution holding your
funds. The Program Deposit Account constitutes a direct obligation of the Receiving Financial Institution and is not directly or
indirectly an obligation of Stable or DCU. In the event a Receiving Financial Institution rejects additional deposits, withdraws
entirely, or is terminated from participation, then you authorize and direct DCU and Stable, as an agent of DCU, to move your
deposits to another Receiving Financial Institution.

b. A list of the current Receiving Financial Institutions is available on DCU’s website or by contacting us in any of the ways
listed under “Contact Us”. Each Receiving Financial Institution is a separate FDIC- or NCUA-insured financial institution.
Each Receiving Financial Institution has a target level of deposits that it wishes to accept through the Program. Stable may
include additional Receiving Financial Institutions to expand the capacity available to underlying customers of the Sending
Institutions, including DCU. Receiving Financial Institutions may decide to no longer participate in the Program, or may be
removed by Stable for no longer satisfying Program requirements. You cannot specify an amount of funds to be allocated to
specific Receiving Financial Institutions.

c. The Program allows DCU the ability to provide its Members, including you, with access to the Program without having to
disclose any personally identifiable information to Stable. As a result, Stable maintains in its records only an omnibus account
titled “DCU for the exclusive benefit of its Members, acting for themselves and/or acting on a fiduciary capacity for others”.
Each Member’s account balance, including yours, will be allocated to each selected Receiving Financial Institution in the same
proportion that the total balance of the Program Deposits is allocated to each Receiving Financial Institution.

10. Dividends and Interest.

a. As explained in this section, the Smart Savings Account is a product which pays both dividends and interest. In these Terms
and Conditions, the DCU Rate Sheet, and related documents, we may refer to “interest” and “interest rate” as “dividend” and
“dividend rate”, respectively, and vice versa. Your Program Deposits may earn interest (from Receiving Financial Institutions,
such as banks and some credit unions, which pay interest) or dividends (from Receiving Financial Institutions, such as some
credit unions which declare dividends), or a combination of the two. The dividends paid to you on funds in your Smart Savings
Account held at DCU are paid by DCU.

b. The current dividend (interest) rate and the corresponding Annual Percentage Yield or “APY” (annualized rate based on
the applicable rate and the compounding period) are provided to you on a separate DCU Rate Sheet at the time of opening
your Smart Savings Account, which is incorporated in these Terms and Conditions and may be amended from time to time
by posting on DCU’s website and providing any other notice, as permitted and/or required by applicable law. The current
dividend (interest) rate and APY are always available on our website or by contacting us in any of the ways listed under
“Contact Us”. The dividend (interest) rate and APY may change after account opening. The dividend (interest) rate and APY
may change at any time at DCU’s discretion. There are no limitations on the amount by which the rate may change. There is
generally no minimum period that your money must remain on deposit, and there is no penalty for withdrawal of your entire
balance, or any part thereof, at any time. If your Smart Savings Account is closed before dividends (interest) is credited, you
will not receive the accrued dividends (interest). Dividends (Interest) is compounded and credited monthly. The daily balance
method shall be used to determine the amount of dividends (interest) paid. This method applies a daily periodic rate to the
principal in the account each day. Dividends (Interest) begins to accrue no later than the “day of deposit” (as this term is
defined in Section VI, Availability of Funds and Collection of Checks of DCU’s Account Agreement for Consumers) into the
Smart Savings Account for your deposited cash and noncash items (for example, checks). Specifically, regarding dividends
paid by DCU, dividends are paid from current income and available earnings, after required transfers to reserves at the end of
a dividend period.

c. The dividend (interest) rate may be higher or lower than the rates available to depositors making deposits directly with
Receiving Financial Institutions or with other depository institutions in comparable accounts. You should compare the terms,
dividend (interest) rates, required minimum amounts, charges, and other features of the Smart Savings Account with other
accounts and investment alternatives.

11. Fees. Each Receiving Financial Institution pays to Stable a fee for its services related to your funds held in the Program at that
particular Receiving Financial Institution. DCU may also receive a fee for its services related to the Program and such fees may
reduce the rate on the Smart Savings Account. Fees that may be imposed in connection with the Smart Savings Account are
disclosed on DCU’s Schedule of Fees and Service Charges, a copy of which has been provided to you separately, and you agree to
pay any fees and/or charges disclosed to you that DCU may impose related to the Smart Savings Account.

12. Account Statements. You will receive a periodic account statement from DCU. Dividends and interest earned for the period
covered will be displayed as a combined amount labeled as “dividends.” You will not receive a separate statement from the
Receiving Financial Institutions. You should retain all account statements.

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 13. Tax Reporting. Similar to dividends paid by DCU, the interest you receive from your Program Deposits is generally fully subject
to state and federal tax. To the extent required, an IRS Form 1099 will be sent to you by DCU each year, showing the amount you
have earned from your Smart Savings Account. You will not receive an IRS Form 1099 if you are not a citizen or resident of the
United States.

III. Other Terms

1. Termination. At DCU’s sole discretion, and without any prior notice to you, subject to applicable law, DCU may close your Smart
Savings Account. You understand that, at any time, you may close your Smart Savings Account. If your Smart Savings Account is
closed, your Program Deposits will be returned to DCU and distributed out to you by either, at DCU’s sole discretion, depositing
such funds into another DCU account or sending to you a check.

2. Arbitration and Class Action Waiver. The resolution of any disputes or claims between you and DCU related to these
Terms and Conditions is subject to the Arbitration part of DCU’s Account Agreement for Consumers.

3. Other Agreements. You understand that your access to, and use of, the Smart Savings Account and DCU’s related products
and services, including without limitation the Program, will remain subject to the terms and conditions of all existing agreements
between you and DCU, including without limitation, DCU’s Account Agreement for Consumers. These Terms and Conditions are
incorporated into DCU’s Account Agreement for Consumers by this reference. Please review our other agreements with you, as
applicable, for important information about your rights and responsibilities.

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