If you have not attained the age of 21 and are applying for individual credit, we will consider your independent ability to pay with the information you provide. You may include a cosigner with this application who has attained the age of 21 in which we will consider their ability to pay with the information provided with the application.
Income such as alimony, child support or separate maintenance income need not be disclosed if you do not wish to have it considered as a basis for repaying this obligation.
(If less than 2 years at present employer)