A. Individual Credit: You must complete the Applicant section about yourself and the Other section about your spouse if:
1. you live in or the property pledged as collateral is located in a community property state (AK, AZ, CA, ID, LA, NM, NV, TX, WA, WI),
2. your spouse will use the account, or
3. you are relying on your spouse's income as basis for repayment. If you are relying on income from alimony, child support, or separate maintenance, complete the Other section to the extent possible about the person on whose payments you are relying.
B. Joint Credit: Each Applicant must individually complete the appropriate section below. If the Co-Borrower is spouse of the Applicant, mark the Co-Applicant box.
C. Guarantor: Complete the Other section if you are a guarantor on an account/loan.
(Married Applicants may apply for a separate account.)
The credit union will disclose the cost of this voluntary insurance to you. A separate insurance election which discloses the terms and conditions must be signed for coverage to become effective.
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