If you are applying for individual credit in your own name and are relying on your own income or assets and not the income or assets of another person as the basis for repayment of the credit requested, complete only the “Applicant” section.

If you are married and live in a community property state, complete both sections providing information about your spouse.

If this is an application for joint credit with another person, complete both sections providing information about the co-applicant.