This Agreement is the contract of deposit, which covers your and our rights and responsibilities concerning Membership and Account(s) offered to you. In this Agreement, the words "you" and "yours" mean those who sign the Account Card or Subsequent Account Action Card ("Account Card"). The words "we," "us," and "our" mean the Red Canoe Credit Union ("Credit Union"). The word "account" means any one or more savings or deposit accounts you have with the Credit Union. You understand that Weyerhaeuser Company is not responsible for any actions of the Credit Union.

The classification and form of ownership of your accounts are designated on your Account Card. The owner(s) of a Christmas Club will be the same owner(s) as your Primary Savings Account. The owner(s) of a Real Estate Account will be the same owner(s) as the signers on the First Mortgage Loan. By signing the Account Card that is a part of the Agreement, each of you, jointly and severally, agree to the terms and conditions in this Agreement, including the Privacy Policy, Funds Availability Policy, Electronic Funds Transfer Agreement, and the Truth-in-Savings Disclosures (Schedule of Rates/Fees) accompanying this Agreement, any account receipt, the Credit Union's bylaws and policies, and any amendments which collectively govern your Membership and Accounts. You must maintain a savings account to be eligible for any accounts or services of the Credit Union. You agree that additional accounts and services you request in the future will be governed by this Agreement, as amended from time to time. Unless you waive your rights, you understand that certain account designations, such as a joint ownership with right of survivorship or POD beneficiary designation may be invalidated upon the Credit Unions receipt of notice of marriage dissolution or a testamentary disposition, as required by applicable law.

1. Membership Eligibility. To be eligible for membership in the Credit Union you must be an individual or entity qualifying within the Credit Union's field of membership and must purchase and maintain at least one share (the Membership Savings Account) as required by the Credit Union's bylaws. You authorize us to check your account, credit, and employment history, and obtain a credit report from third parties, including credit-reporting agencies, to verify your eligibility for the accounts and services you request.

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