I am asking my banks to formulate a short form that identifies the loan request. It will have language showing the intent to apply for joint credit above each signature line. They will need to have this signed for every loan that has joint borrowers on it. We have a mix of commercial and ag loans. We use lines of credit where appropriate and will not require a statement of intent for each advance, just one for the line. If anyone sees a flaw in this logic, please say so.