I/we certify that statements made on this application are correct to the best of my/our knowledge and that the above information is a complete listing of all our debts and obligations. I authorize the credit union to obtain credit reports in connection with this application. It is a federal crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to Federal Credit Unions or State Chartered Credit Unions insured by NCUA. If there are any immediate changes, I/we will notify the credit union in writing immediately. I/we also agree to notify the credit union of any change in name, address or employment within a reasonable time.