In this Membership Invitation "I", "Me" and "My" mean each and every person who fills out the application. "You" and "Your" mean Parsons Federal Credit Union. If I am not currently a member, I hereby make application for membership in Parsons Federal Credit Union. By signing the Membership Invitation I request access to the PARS Audio Response System. I agree to conform to your bylaws as well as all applicable terms and conditions set forth in the Deposit Account Agreement, Truth in Savings Disclosure, the Certificate Account Agreement and Disclosure (if applicable), and Electronic Services Disclosure and Agreement, and Privacy Notice (receipt of all of which is hereby acknowledged and which is incorporated by this reference.) (I acknowledge that these disclosures will be mailed to me upon receipt of my application). I understand and agree that this Membership Invitation shall govern the Regular Share, the Checking Account, the ATM Card and the PARS Audio Response System and other accounts designated by me on the reverse. I authorize you to open other account(s) for me in person or per my telephone request. I authorize you to gather whatever credit, checking account and employment information you consider appropriate from time to time. I understand that this will assist, for example, in determining my initial and ongoing eligibility for an account. I authorize you to give information concerning your experience with me to others. I understand and agree that you may retain this Membership Invitation and any other information you may receive and that I waive my right to confidentiality of my records with the California Department of Motor Vehicles (DMV) and authorize you to obtain such information from the DMV.