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By entering your initials below, you certify that all information is accurate and complete, and both of you agree to be jointly and severally liable to repay any requested loan as required by the credit union. The credit union may verify this information from whichever sources it deems necessary (including credit reports) and may provide others with information regarding your credit history to the extent permitted by law. This application is, and shall remain, the property of the credit union.

I/we acknowledge the receipt of and agree to the terms and conditions of my account(s) as stated in the "Understanding Your Accounts" disclosure and any amendments the Credit Union makes to these documents from time to time. Some accounts may require credit approval and your rates may vary based on credit history. SharePoint Credit Union is authorized to check my/our account, credit, identity and employment history and to obtain a consumer report from third parties, including credit reporting agencies to verify my/our eligibility for the accounts and services requested in connection with this application and for any update, renewal, or extension of credit or services to the extent permitted by law.

Enter your initials above to verify you understand the terms listed here, and authorize SharePoint Credit Union to pull your Consumer Credit Report (at no cost to you).

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