Married applicants may apply for a separate account. If you are applying for Individual Credit, you must complete the Applicant section about yourself and the Co-Applicant section about your spouse if:

You live in or the property pledged as collateral is located in a community property state (AZ, CA, ID, LA, NM, NV, TX, WA, WI), Your spouse will use the account, or You are relying on your spouse's income as a basis for repayment. If you are relying on income from alimony, child support or separate maintenance, complete the Co-Applicant section to the extent possible about the person on whose payments you are relying.

If you are applying for Joint Credit with another person, complete the Applicant and Co-Applicant sections.

SIGNATURES:You warrant the truth of the information contained in Your Open End Credit Agreement And Personal Loan Application and You realize that it was relied upon by Us in deciding whether or not to grant the credit applied for. You hereby authorize Us, Our employees and agents to investigate and verify any information provided to Us by You. If the application is for any Feature Category contained in Our Open End Credit Agreement Program, You agree and understand that You are contractually liable according to the applicable terms of the Open End Credit Agreement and Disclosure. You acknowledge receiving a copy of that Agreement and promise to pay all amounts charged to Your Account according to its terms. If this is a joint application, You agree that such liability is joint and several. You authorize Us to accept Your facsimile signatures on this application and agree that Your facsimile signature will have the same legal force and effect as Your original signature. You assume any risk that may be associated with permitting Us to accept Your facsimile signature. If You are issued a credit card, by signing below, You grant and consent to a lien on Your shares with Us (except IRA and Keogh Accounts) and any dividends due or to become due to You from Us to the extent You owe on any unpaid credit card balance.

By submitting this loan request, you agree that the information is correct to the best of your knowledge. You also agree to notify us of any changes to your name, address or employment.

You authorize the credit union to obtain credit reports in connection with this request.

Access to Internet websites from open or unsecured WiFi (wireless) networks such as those found in Internet cafes, public places and airports are at a higher risk of being compromised by the criminal element. Therefore, Smart Financial Credit Union recommends that you apply from a secured network, e.g. your home, rather than from open/shared WiFi networks. While home networks are still vulnerable to a degree, they are at less risk than using a public network. Smart Financial utilizes many security measures to assure that your information is secure. However, we advise that you take these extra precautions to provide an additional layer of security.

You are now leaving Smart Financial Credit Union's website and are going to a web-site that is not operated by the credit union. Smart Financial Credit Union is not responsible for the content or availability of linked sites.

Please be advised that Smart Financial Credit Union does not represent either the third party or you, the member, if you enter into a transaction. Further, the privacy and security policies of the linked site may differ from those practiced by the credit union.

You are now leaving Smart Financial Credit Union's website and are going to a web-site that is not operated by the credit union. Smart Financial Credit Union is not responsible for the content or availability of linked sites.

Please be advised that Smart Financial Credit Union does not represent either the third party or you, the member, if you enter into a transaction. Further, the privacy and security policies of the linked site may differ from those practiced by the credit union.

You are now leaving Smart Financial Credit Union's website and are going to a web-site that is not operated by the credit union. Smart Financial Credit Union is not responsible for the content or availability of linked sites.

Please be advised that Smart Financial Credit Union does not represent either the third party or you, the member, if you enter into a transaction. Further, the privacy and security policies of the linked site may differ from those practiced by the credit union.