IMPORTANT NOTICE: Arizona is a "Community Property" state, which generally means that all property, goods, salaries and debts acquired, earned or contracted after marriage belong by law, to the marital community. "Sole and Separate Property" is generally defined as those goods, property, income and debts acquired prior to marriage or inherited after marriage. Either spouse individually may manage the community property or bind the community to the payment of debt (generally). The Bank may require both spouses to sign certain loan documents necessary or thought necessary to create a valid lien or security interest under applicable Arizona law.

COMMUNITY PROPERTY DEBT: "This application, unless otherwise marked below, is to be considered as an application for credit extended as a debt of the marital community, based upon the creditworthiness of that community." Supply all information requested on the application.

SOLE AND SEPARATE PROPERTY: This is an application for individual credit as sole and separate debt, which will be evaluated without regard to the assets, income or creditworthiness of the applicant's spouse or the applicant's marital community. (The applicant should only list marital status and no other information should be given regarding the spouse (if any) except name and address. Applicant should also list all debts for which he/she is obligated by signing to promise to pay, and should also list all sole and separate assets and income.)